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ISO4217:MXN
xbrli:pure
Anexo N
NO
Deuda LP
NO
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:'Times New Roman'; font-size:12pt">NO</span>
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<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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NO
<p style='font-family:Arial;font-size: 8pt'><html>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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</div>
</body>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt; text-align:center">
<a name="_Hlk228398053" href="#" ><span style="font-family:Arial; font-size:12pt; font-weight:bold">HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC</span></a>
</p>
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:12pt; font-weight:bold">REPORTE ANUAL 2025</span><span style="-aw-bookmark-end:_Hlk228398053"></span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
</div>
</body>
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<p style='font-family:Arial;font-size: 8pt'><html>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 14.4pt; text-indent:-3.6pt; text-align:center; padding-left:3.6pt">
<span style="font-family:Arial; font-size:11pt">Reforma 347</span>
</p>
<p style="margin:0pt 0pt 0pt 14.45pt; text-indent:-14.2pt; text-align:center; padding-left:14.2pt">
<span style="font-family:Arial; font-size:11pt">Colonia Cuauhtémoc</span>
</p>
<p style="margin:0pt 0pt 0pt 14.45pt; text-indent:-14.2pt; text-align:center; padding-left:14.2pt">
<span style="font-family:Arial; font-size:11pt">C.P. 06500 México, Distrito Federal</span>
</p>
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">México</span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
</div>
</body>
</html> </ p >
HSBC
Los títulos se encuentran inscritos en el Registro Nacional de Valores
La inscripción en el Registro Nacional de Valores no implica certificación sobre la bondad de los valores, solvencia de la emisora o sobre la exactitud o veracidad de la información contenida en este Reporte anual, ni convalida los actos que, en su caso, hubieren sido realizados en contravención de las leyes.
Reporte anual que se presenta de acuerdo con las disposiciones de carácter general aplicables a las emisoras de valores y a otros participantes del mercado
2025-12-31
<p style='font-family:Arial;font-size: 8pt'><html>
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<body>
<div>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Reporte anual que se presenta de acuerdo con las disposiciones de carácter general aplicables a las emisoras de valores y a otros participantes del mercado de valores por el año terminado el 31 de diciembre de 2025. Los Valores de la emisora se encuentran inscritos en el Registro Nacional de Valores que mantiene la Comisión Nacional Bancaria y de Valores. </span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 14.4pt; text-indent:-3.6pt; text-align:justify; padding-left:3.6pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:536.2pt">
<tr style="height:49pt">
<td style="border-left-color:#000000; border-left-style:solid; border-left-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:4.9pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt; font-weight:bold">Tipo de instrumento</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt; font-weight:bold">Número de emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt; font-weight:bold">Clave de pizarra</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt; font-weight:bold">Fecha de emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt; font-weight:bold">Fecha de vencimiento</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt; font-weight:bold">Plazo</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt; font-weight:bold">Monto oferta (Millones)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt; font-weight:bold">Moneda</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt; font-weight:bold">TC (1)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt; font-weight:bold">Tasa de referencia</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt; font-weight:bold">Periodicidad de pago</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt; font-weight:bold">Monto en circulación (millones de pesos)</span><span style="font-family:Arial; font-size:4pt; font-weight:bold; vertical-align:super">5</span>
</p>
</td>
</tr>
<tr style="height:10.9pt">
<td rowspan="5" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#000000; border-left-style:solid; border-left-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:4.9pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:6pt; font-weight:bold">Certificados Bursátiles</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Cuarta</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">HSBC 17-2</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">2-oct-17</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">20-sep-27</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">10 años</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">2,500</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">MXN</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">N.A</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">8.41%</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Cada 182 días</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">2,500</span>
</p>
</td>
</tr>
<tr style="height:10.45pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Sexta</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">HSBC 20-2</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">23-jun-20</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">11-jun-30</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">10 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">5,997</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">MXN</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">N.A</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">7.85%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Cada 182 días</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">5,997</span>
</p>
</td>
</tr>
<tr style="height:10.45pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Primera</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">HSBC24</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">14-may-24</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">11-may-27</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">3 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt"> 4,981 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">MXN</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">N.A.</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">TIIE FONDEO +0.34pp</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Cada 28 días</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt"> 4,981 </span>
</p>
</td>
</tr>
<tr style="height:10.45pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Segunda</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">HSBC24D</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">14-may-24</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">11-may-27</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">3 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt"> 150 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">USD</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:6pt">18.0080</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">5.51%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Cada 182 días</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt"> 2,701 </span>
</p>
</td>
</tr>
<tr style="height:10.45pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Tercera</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">HSBC24-2</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">14-may-24</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">08-may-29</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">5 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt"> 2,500 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">MXN</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">N.A.</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">10.34%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Cada 182 días</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt"> 2,500 </span>
</p>
</td>
</tr>
<tr style="height:18.6pt">
<td rowspan="6" style="border-left-color:#000000; border-left-style:solid; border-left-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:4.9pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt; font-weight:bold">Obligaciones Subordinadas Preferentes</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Primera colocación</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">HSBC 18-1</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">31-may-18</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">31-may-28</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">10 años</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">300</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">USD</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">18.0080</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">SOFR + 2.811611%</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Trimestral</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">5,402</span>
</p>
</td>
</tr>
<tr style="height:18.25pt">
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Segunda colocación</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">HSBC 18-1</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">28-ago-18</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">31-may-28</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">10 años</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">100</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">USD</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">18.0080</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">SOFR + 2.811611%</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Trimestral</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">1,801</span>
</p>
</td>
</tr>
<tr style="height:14.7pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Única</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">HSBC 22-1</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">07-dic-22</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">07-dic-32</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">10 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">500</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">USD</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">18.0080</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">SOFR + 4.42%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Trimestral</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">9,004</span>
</p>
</td>
</tr>
<tr style="height:21.35pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Única</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">HSBC 23-1</span><span style="font-family:Arial; font-size:4pt; font-weight:bold; vertical-align:super">2</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">06-dic-23</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">06-dic-33</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">10 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">6,962</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">MXN</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">N.A.</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">13.65%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Semestral</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">6,962</span>
</p>
</td>
</tr>
<tr style="height:21.35pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Única</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">HSBC 24-1</span><span style="font-family:Arial; font-size:4pt; font-weight:bold; vertical-align:super">3</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">28-feb-24</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">28-feb-34</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">10 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">1,713</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">MXN</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">N.A.</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">12.25%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Semestral</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">1,713</span>
</p>
</td>
</tr>
<tr style="height:21.35pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Única</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">HSBC 24-2</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">26-sep-24</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">26-sep-34</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">10 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">600</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">USD</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">18.0080</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">SOFR + 3.29%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Trimestral</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">10,805</span>
</p>
</td>
</tr>
<tr style="height:21.35pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#000000; border-left-style:solid; border-left-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; padding-left:4.9pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:6pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Única</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">HSBC 25</span><span style="font-family:Arial; font-size:4pt; vertical-align:super">4</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">30-oct-25</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">30-oct-35</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">10 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">5,524</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">MXN</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">N.A.</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">11.07%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:6pt">Semestral</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:33.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:6pt">5,524</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:5.33pt; font-weight:bold; vertical-align:super">1</span><span style="font-family:Arial; font-size:8pt; font-weight:bold"> Fuente</span><span style="font-family:Arial; font-size:8pt">: Banxico, Tipo de Cambio Cierre de Jornada al 31 de diciembre de 2025. </span>
</p>
<p style="margin:0pt; text-indent:-9pt; padding-left:9pt">
<span style="font-family:Arial; font-size:5.33pt; font-weight:bold; vertical-align:super">2</span><span style="font-family:Arial; font-size:8pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:8pt">13.65% los primeros 5 años. Revisable al quinto año con Tasa de Referencia de Bonos M a 4 años + 426 puntos base; revisable al noveno año con Tasa de Referencia de Bonos M a 1 año+ 426 puntos base.</span>
</p>
<p style="margin:0pt 0pt 3pt; text-align:justify">
<span style="font-family:Arial; font-size:5.33pt; font-weight:bold; vertical-align:super">3</span><span style="font-family:Arial; font-size:8pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:8pt">12.25% los primeros 5 años. Revisable al quinto año con Tasa de Referencia de Bonos M a 4 años +292 puntos base; revisable al noveno año con Tasa de Referencia de Bonos M a 1 año+ 292 puntos base.</span>
</p>
<p style="margin:0pt 0pt 3pt; text-align:justify">
<span style="font-family:Arial; font-size:5.33pt; font-weight:bold; vertical-align:super">4</span><span style="font-family:Arial; font-size:8pt"> 11.07% los primeros 5 años. Revisable al quinto año con Tasa de Referencia de Bonos M a 4 años +299 puntos base; revisable al noveno año con Tasa de Referencia de Bonos M a 1 año+ 299 puntos base.</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5.33pt; font-weight:bold; vertical-align:super">5</span><span style="font-family:Arial; font-size:8pt"> Los importes de obligaciones subordinadas preferentes presentados en la tabla incluyen costos de emisión, no incluyen intereses generados.</span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt 0pt 3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 17 de agosto de 2023 las Obligaciones Subordinadas Preferentes HSBC 18-1 modificaron su tasa de referencia de LIBOR3m + 2.55% a SOFR + 2.81161%.</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">El 18 de diciembre de 2024 se amortizó anticipadamente la Obligación Subordinada No Preferente HSBC 19-1 en su totalidad.</span><br style="page-break-before:always; clear:both" />
</p>
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Bonos Bancarios Estructurados</span>
</p>
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al cierre del ejercicio 2025, 2024 y 2023 la emisora no cuenta con Bonos Bancarios Estructurados.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:normal"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">Certificados Bursátiles Bancarios</span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:496.65pt">
<tr style="height:32.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:44.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Número de emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:61pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Clave de pizarra</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:54.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Fecha de emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Fecha de vencimiento</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Plazo</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:81.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Tasa de referencia</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:69.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Periodicidad de pago</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:74.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Monto en circulación (millones de pesos)</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:44.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Cuarta</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:61pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBC17-2</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:54.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">2-oct-17</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">20-sep-27</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">10 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:81.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">8.41%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:69.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Cada 182 días</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:74.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> 2,500 </span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:44.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Sexta</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:61pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBC20-2</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:54.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">23-jun-20</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">11-jun-30</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">10 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:81.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">7.85%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:69.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Cada 182 días</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:74.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> 5,997 </span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:44.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Primera</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:61pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBC24</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:54.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">14-may-24</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">11-may-27</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">3 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:81.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">TIIE FONDEO +0.34pp</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:69.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Cada 28 días</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:74.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> 4,981 </span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:44.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Segunda</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:61pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBC24D</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:54.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">14-may-24</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">11-may-27</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">3 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:81.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">5.51%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:69.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Cada 182 días</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:74.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> 2,701 </span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:44.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Tercera</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:61pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBC24-2</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:54.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">14-may-24</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">08-may-29</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">5 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:81.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">10.34%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:69.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Cada 182 días</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:74.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> 2,500 </span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Características adicionales</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Intereses y procedimiento de cálculo</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para la cuarta emisión con clave de pizarra HSBC 17-2 los Certificados Bursátiles Bancarios devengarán un interés bruto anual sobre su valor nominal a una tasa de 8.41%, misma que se mantendrá fija durante la vigencia de la emisión a pagarse cada 182 (ciento ochenta y dos) días. Para determinar el monto de los intereses a pagar, el Representante Común utilizará la fórmula que aparece en el suplemento correspondiente y en el título que documenta dicha emisión. El interés que devengarán los Certificados Bursátiles Bancarios se computará a partir de su fecha de emisión al inicio de cada periodo de intereses en tanto no sean amortizados en su totalidad. Los cálculos para determinar la tasa y el monto de los intereses a pagar deberán comprender los días naturales efectivamente transcurridos hasta la fecha de pago de intereses correspondiente. Los cálculos se efectuarán cerrándose a centésimas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para la sexta emisión con clave de pizarra HSBC 20-2 los Certificados Bursátiles Bancarios devengarán un interés bruto anual sobre su valor nominal a una tasa de 7.85%, misma que se mantendrá fija durante la vigencia de la emisión a pagarse cada 182 (ciento ochenta y dos) días. Para determinar el monto de los intereses a pagar, el Representante Común utilizará la fórmula que aparece en el suplemento correspondiente y en el título que documenta dicha emisión. El interés que devengarán los Certificados Bursátiles Bancarios se computará a partir de su fecha de emisión al inicio de cada periodo de intereses en tanto no sean amortizados en su totalidad. Los cálculos para determinar la tasa y el monto de los intereses a pagar deberán comprender los días naturales efectivamente transcurridos hasta la fecha de pago de intereses correspondiente. Los cálculos se efectuarán cerrándose a centésimas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para la primera emisión con clave de pizarra HSBC 24 los Certificados Bursátiles Bancarios devengarán un interés bruto anual sobre su valor nominal a una tasa de TIIE de fondeo </span><span style="font-family:Arial; font-size:11pt">adicionando 0.34%, misma que se pagará cada 28 días (veintiocho días).</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Para determinar el monto de los intereses a pagar, el Representante Común utilizará la fórmula que aparece en el suplemento correspondiente y en el título que documenta dicha emisión. El interés que devengarán los Certificados Bursátiles Bancarios se computará a partir de su fecha de emisión al inicio de cada periodo de intereses en tanto no sean amortizados en su totalidad. Los cálculos para determinar la tasa y el monto de los intereses a pagar deberán comprender los días naturales efectivamente transcurridos hasta la fecha de pago de intereses correspondiente. Los cálculos se efectuarán cerrándose a centésimas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para la segunda emisión con clave de pizarra HSBC 24D los Certificados Bursátiles Bancarios devengarán un interés bruto anual sobre su valor nominal a una tasa de 5.51%, misma que se mantendrá fija durante la vigencia de la emisión a pagarse cada 182 (ciento ochenta y dos) días. Para determinar el monto de los intereses a pagar, el Representante Común utilizará la fórmula que aparece en el suplemento correspondiente y en el título que documenta dicha emisión. El interés que devengarán los Certificados Bursátiles Bancarios se computará a partir de su fecha de emisión al inicio de cada periodo de intereses en tanto no sean amortizados en su totalidad. Los cálculos para determinar la tasa y el monto de los intereses a pagar deberán comprender los días naturales efectivamente transcurridos hasta la fecha de pago de intereses correspondiente. Los cálculos se efectuarán cerrándose a centésimas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para la tercera emisión con clave de pizarra HSBC 24-2 los Certificados Bursátiles Bancarios devengarán un interés bruto anual sobre su valor nominal a una tasa de 10.34%, misma que se mantendrá fija durante la vigencia de la emisión a pagarse cada 182 (ciento ochenta y dos) días. Para determinar el monto de los intereses a pagar, el Representante Común utilizará la fórmula que aparece en el suplemento correspondiente y en el título que documenta dicha emisión. El interés que devengarán los Certificados Bursátiles Bancarios se computará a partir de su fecha de emisión al inicio de cada periodo de intereses en tanto no sean amortizados en su totalidad. Los cálculos para determinar la tasa y el monto de los intereses a pagar deberán comprender los días naturales efectivamente transcurridos hasta la fecha de pago de intereses correspondiente. Los cálculos se efectuarán cerrándose a centésimas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Lugar y forma de pago de intereses y principal</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El principal y los intereses devengados respecto de los certificados bursátiles bancarios se pagarán el día de su vencimiento en el domicilio de S.D. Indeval, S.A. de C.V., Institución para el Depósito de Valores, ubicado en Paseo de la Reforma número 255, 3er. Piso, Col. Cuauhtémoc, C.P. 06500, México, D.F., mediante transferencia electrónica a los intermediarios correspondientes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Amortización</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En un solo pago en la fecha de vencimiento de cada emisión contra la entrega del título correspondiente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Garantía</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Quirografaria del Emisor, es decir, los certificados bursátiles bancarios no cuentan con garantía específica, ni del IPAB ni cualquier otra entidad.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Calificación</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para HSBC 17-2, HSBC 20-2, HSBC 24, HSBC 24D y HSBC 24-2</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Fitch: “AAA (</span><span style="font-family:Arial; font-size:11pt">mex</span><span style="font-family:Arial; font-size:11pt">)”, las calificaciones nacionales “AAA” indican la máxima calificación asignada por Fitch México en su escala de calificaciones domésticas. Esta calificación se asigna a los emisores u obligaciones con la más baja expectativa de riesgo de incumplimiento en relación con otros emisores u obligaciones en el mismo país.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para HSBC 17-2, HSBC 20-2, HSBC 24, HSBC 24D y HSBC 24-2</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Moody’s Local México ha asignado la calificación “AAA.mx” a los Certificados Bursátiles Bancarios, la cual significa: “emisores o emisiones calificados con la calidad crediticia más fuerte en comparación con otras entidades y transacciones locales”.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Representante común</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para HSBC 17-2, HSBC 20-2, HSBC 24, HSBC 24D y HSBC 24-2: Banco Multiva, S. A., Institución de Banca Múltiple. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Depositario</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">S.D. Indeval Institución para el Depósito de Valores, S.A. de C.V.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Régimen Fiscal</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El régimen fiscal vigente podrá ser modificado a lo largo de la vigencia de cada emisión. Los inversionistas deberán consultar en forma independiente y periódica a sus asesores fiscales respecto a las disposiciones legales aplicables a la adquisición, propiedad y disposición de instrumentos de deuda como los certificados bursátiles bancarios antes de realizar cualquier inversión en los mismos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La tasa de retención aplicable respecto a los intereses pagados se encuentra sujeta a (i) para personas físicas residentes en México para efectos fiscales a lo previsto en los artículos 133 y 135 de la Ley de Impuesto Sobre la Renta Vigente y 21 de la Ley de Ingresos de la Federación para el ejercicio fiscal 2025 y en otras disposiciones complementarias, (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) para personas morales residentes en México para efectos fiscales a lo previsto en el artículo 54 de la Ley de Impuesto Sobre la Renta Vigente y 21 de la Ley de Ingresos de la Federación para el ejercicio fiscal 2025 y en otras disposiciones complementarias y (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) para personas físicas y morales residentes en el extranjero para efectos fiscales a lo previsto en los artículos 153 y 166 de la Ley del Impuesto Sobre la Renta y en otras disposiciones complementarias y dependerá del beneficio efectivo de los intereses.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Subordinación de los títulos: N.A.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Amortización anticipada:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los Certificados Bursátiles Bancarios de la primera y cuarta Emisión (HSBC 24 y HSBC 17-2) no podrán ser amortizados anticipadamente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 24-2</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente los Certificados Bursátiles tercera Emisión (HSBC 24-2) en los últimos 360 (</span><span style="font-family:Arial; font-size:11pt">trescientos sesenta</span><span style="font-family:Arial; font-size:11pt">) días naturales de vigencia de los Certificados Bursátiles de la tercera Emisión, en cualquier Fecha de Pago de Intereses y hasta antes de la Fecha de Vencimiento a un precio por Certificado Bursátil igual al valor nominal de los Certificados Bursátiles. En este sentido, el Representante Común deberá dar aviso a Indeval por escrito o a través de los medios que ésta determine, a la CNBV a través del STIV-2 u otros medios que la CNBV determine, a la BMV a través del DIV u otros medios que la BMV determine, con por lo menos 6 Días Hábiles de anticipación a la fecha de amortización anticipada.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 24D</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente los Certificados Bursátiles segunda Emisión (HSBC 24D) en los últimos 360 (</span><span style="font-family:Arial; font-size:11pt">trescientos sesenta</span><span style="font-family:Arial; font-size:11pt">) días naturales de vigencia de los Certificados Bursátiles de la segunda Emisión, en cualquier Fecha de Pago de Intereses y hasta antes de la Fecha de Vencimiento a un precio por Certificado Bursátil igual al valor nominal de los Certificados Bursátiles. En este sentido, el Representante Común deberá dar aviso a Indeval por escrito o a través de los medios que ésta determine, a la CNBV a través del STIV-2 u otros medios que la CNBV determine, a la BMV a través del DIV u otros medios que la BMV determine, con por lo menos 6 Días Hábiles de anticipación a la fecha de amortización anticipada.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 20-2</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente los Certificados Bursátiles sexta Emisión (HSBC 20-2) en los últimos 360 (</span><span style="font-family:Arial; font-size:11pt">trescientos sesenta</span><span style="font-family:Arial; font-size:11pt">) días naturales de vigencia de los Certificados Bursátiles de la sexta Emisión, en cualquier Fecha de Pago de Intereses y hasta antes de la Fecha de Vencimiento a un precio por Certificado Bursátil igual al valor nominal de los Certificados Bursátiles. En este sentido, el Representante Común deberá dar aviso a Indeval por escrito o a través de los medios que ésta determine, a la CNBV a través del STIV-2 u otros medios que la CNBV determine, a la BMV a través del SEDI u otros medios que la BMV determine, con por lo menos 6 Días Hábiles de anticipación a la fecha de amortización anticipada.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Fiduciario: </span><span style="font-family:Arial; font-size:11pt">N.A.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La Emisora no tiene establecidas ni ha adoptado políticas para la toma de decisiones, durante la vigencia de dichas emisiones, relativas a: i) cambios de control; </span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) reestructuras corporativas, incluyendo adquisiciones, fusiones y escisiones; y/o, </span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) la venta o constitución de gravámenes sobre activos esenciales. En caso de actualizarse alguno de estos supuestos, los procedimientos que seguirá el Banco HSBC, serán los estipulados en las leyes y disposiciones aplicables para tal efecto. </span>
</p>
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Obligaciones Subordinadas Preferentes </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:496.7pt">
<tr style="height:32.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Número de emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Clave de pizarra</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Fecha de emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Fecha de vencimiento</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Plazo</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Tasa de referencia</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Monto en circulación (millones de pesos)</span>
</p>
</td>
</tr>
<tr style="height:31.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Principal colocación</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBC 18-1</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">31-may-18</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">31-may-28</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">10 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">SOFR + 2.81161%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">5,402</span>
</p>
</td>
</tr>
<tr style="height:31.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Segunda colocación</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBC 18-1</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">28-ago-18</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">31-may-28</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">10 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">SOFR + 2.81161%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">1,801</span>
</p>
</td>
</tr>
<tr style="height:31.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Única</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBC 22-1</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">07-dic-22</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">07-dic-32</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">10 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">SOFR + 4.42%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">9,004</span>
</p>
</td>
</tr>
<tr style="height:31.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Única</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBC 23-1</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">06-dic-23</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">06-dic-33</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">10 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt">13.65% los primeros 5 años. Revisable al quinto año con Tasa de Referencia de Bonos M a 4 años + 426 puntos base; revisable al noveno año con Tasa de Referencia de Bonos M a 1 año+ 426 puntos base.</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">6,962</span>
</p>
</td>
</tr>
<tr style="height:31.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Única</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBC 24-1</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">28-feb-24</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">28-feb-34</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">10 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt">12.25% los primeros 5 años. Revisable al quinto año con Tasa de Referencia de Bonos M a 4 años+</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt">292 puntos base; revisable al noveno año con Tasa de Referencia de Bonos M a 1 año</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt">+ 292 puntos base.</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">1,713</span>
</p>
</td>
</tr>
<tr style="height:31.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Única</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBC 24-2</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">26-sep-24</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">26-sep-34</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">10 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">SOFR + 3.29%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">10,805</span>
</p>
</td>
</tr>
<tr style="height:31.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">Única</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBC 25</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">30-oct-25</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">30-oct-35</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">10 años</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt">11.07% los primeros 5 años. Revisable al quinto año con Tasa de Referencia de Bonos M a 4 años+</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt">299 puntos base; revisable al noveno año con Tasa de Referencia de Bonos M a 1 año</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt">+ 299 puntos base.</span>
</p>
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">5,524</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Obligaciones Subordinadas No Preferentes</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">El 18 de diciembre de 2024 se amortizó anticipadamente la Obligación Subordinada No Preferente HSBC 19-1 en su totalidad.</span><br style="page-break-before:always; clear:both" /><span style="font-family:Arial; font-size:11pt; font-weight:bold">Obligaciones subordinadas preferentes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Características adicionales</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Intereses y procedimiento de cálculo</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 18-1</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 17 de agosto de 2023 se realizó la “Primera modificación al Acta de emisión de las obligaciones subordinadas de capital, preferentes, no susceptibles de convertirse en acciones de HSBC México, S.A. Institución de Banca Múltiple, Grupo Financiero HSBC (HSBC 18-1)”. Dicha modificación se limitó a reemplazar la Tasa LIBOR como Tasa de Referencia debido a su cese de publicación el 30 de junio de 2023. La práctica estándar en el mercado es reemplazar la Tasa LIBOR por la Tasa SOFR siguiendo las recomendaciones sobre equivalencias del Comité de Tasas de Referencia Alternativas (ARRC, por sus siglas en inglés). De esta forma la tasa de interés anual cambió de una determinación basada en la Tasa LIBOR a plazo de tres meses más 255 puntos base, a una tasa de interés basada en la Tasa SOFR más 281.161 puntos base. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las Obligaciones Subordinadas devengarán intereses ordinarios sobre su Valor Nominal que se calcularán dentro de los 3 (tres) Días Hábiles previos a la Fecha de Pago de Intereses correspondiente (la “Fecha de Determinación de la Tasa de Interés”), computados para el Periodo de Intereses, mismos que serán calculados conforme a lo siguiente:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">“Tasa de Interés” significa, respecto de cualquier Periodo de Intereses, la tasa de retorno de una inversión diaria compuesta calculada de la siguiente manera; en el entendido que el porcentaje resultante deberá ser redondeado, en caso de resultar necesario, a la cienmilésima de punto porcentual (0.00001%) más cercana, debiendo redondear 0.000005% hacia arriba:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<img src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJQAAAAzCAYAAABxJSGCAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAAAJcEhZcwAADsMAAA7DAcdvqGQAAAnFSURBVHhe7Zx1jBNNGIchBJc/0BCc4HCBBA0SQnAI7hAsIUCwD5cQ3EKAEDy4Q3APGkKQ4O7u7u7MxzOdbff22l57t7ttj32SuZt3du/a7vzG3nmniYSDg0n8+fPnvzgJ6vPnzyrn4OAhToL69euXSJcunbIcHDwELagnT56It2/fiqxZs6oSBwcPQQlqxIgRYurUqaJPnz5i3LhxqtTBwUPAgnr//r1o3ry5zK9fv148e/ZM5h0c9LgFtXfvXpEoUSKZbt++LS/q2bBhgzh48KDMZ8uWTf6GO3fuiP79+4tJkyapEodwpVmzZu46toqABXX16lXRpk0bMXLkSJEkSRIxb9488ePHD1G+fHnx+/dvMXToULFp0yZ1t0M4YrugihUrJgt98fz5c/5AvHv3Torp3r17okaNGvLasWPH5NzKIfwJG0EZoSerVauWzJ89e1b06tVL5kMJvWSePHncqW/fvuLbt2/qqoh2TUsDBgxQV71f//Lli7qaMAhrQVWvXl3m6aEY9sIBPge9JzA0N2rUSObh69evIkuWLMoSYs+ePWL27NnK8qxkNVKkSKFyCYewFRTDXv78+eVv5lbnzp1TV/yDY9QqGI7Tp0+vLCE2b94sqlatqiwhTp8+Ld+zL5gTBvo5oFChQuLkyZPKcn22EiVKiOPHj6sSF5Tz3n7+/CnnnNq0QQ/TCZLVhK2g4NWrV6Jnz54xHqAv6BFmzJihLPPhfdStW1fmcXWULl1aXLp0SdrQuXNnMX/+fFlxgwYNUqUesmfPLj8Tw2Tt2rVVqX8KFCggTpw4IYXiTUwwa9YssWbNGtG9e3cxatQo2YMaez/KWrRoYbmo4iso5tLVqlUTbdu2lTbbcPXr1xf16tUTt27dip+gguHjx48iVapU4sGDB6rEfKZMmSJ7DXqa4sWLy55ADw+zSpUqolKlSlJsenhQyZMnl9f5H4E2EihYsKCIiooSS5cuVSUxWbRokciRI4cUDPMyo6DoxcqUKSP27dunSqzBjB6Khrd48WKZ5/M0aNBAPq9491DBwMPu3bu3sqyhTp064ujRozJPBd+8eVPmNZImTSp/0wMZfWcrV64UnTp1kvn79+/LHidQWJIjlosXL6qSmNDjHTlyROanT58uhg8fLvN6zp8/LwVtJWYIih6ZXgr2798vGzLYJigqJ3fu3JZGKXz//l0+LCbeQCWvW7dO5oE9SHpIDYY2/XDYpEkTsXbtWmVFh95r/PjxyooOr8NwxuvmzJlTXLhwQV2JDr0Ye6GQJk0a8ejRI5kHXvfu3bsyX7FiRfHw4UOZtwIzBEWDzJw5s3jz5o1o166dKvUjKFooHvD4JiahwAsXLVpU5q2CnilTpkzu16TVtGzZUuZh9OjRolu3bjKP+FihXr9+XdqIIVeuXOLw4cPSNsIQ5a2S2Y7Si5Z5W+HChcXjx49ViQv+PxWpvTeETSPbvn27tJk/aYuVMWPGiNWrV8u8FZghKIa5jBkzih49erg/E/gUFArcuHGjbEm8ARKrIx6Wr0Tr1O5lfsDD4oXhzJkzomPHjjJvFcuXL5fp1KlT0n758qW06V2AIU27R0sa/I2xTAMxNG7c2P1/9LBq1D6jBvcZV7IIbdeuXcpyDRlbt26VlYEPr1WrVuqK670webcKMwQFRJwYG6BPQWkw59FEEls3zApOu3fmzJmq1MXEiRPFli1blBV56CvcbBh6a9asqSxXY86bN6+yzMcMQdFgkiVLpiwPsQqKYSMugqIF6sGjrjkbIw0qmBWjVdDL6YdNoPWzKrYCMwRFL6z392lYJihWK3rM+BCh4unTp9I/pJ9Em8nYsWNlOJB+SMWlYZV7xYy6YGVHMgYS2CIousfUqVMrKzpca9++vez2wxUmz/iQrOL169cxfE9sujPvjCvM66iPVatWqRIPZgjKF7YIihUVKwIjTIBp+YTDBCIonJGsFv8F8Pbrt3SCgV6DBVLKlCmDEpS3OmDYDcYfF1JBabDUdwQVHbY1du7cqay4gZM3UEExUuD9vnz5sipxnR/A1RNMdK4tgsKHgxPMF46gYmK3oODTp09yXxK3BXWNHjRHbKDYJijU7wtfgmI3ntASLeXLl09MnjzZbRt36xMSCCq+m+jBCgrYTShZsqTcy/Tl8fdHWAuKoRLvtpbwZA8ZMsRtcz2h4k1QVLb2fPVJ/6z1xEVQOGDLq431a9euqdLACWtBGYltyCOYLtKTRih6KOqJ3gkhMbFn98PoFgBWvN7eO2nu3LmhFRS+FjyugXSv/9ocKr6CYt7qLbrDm6BYyTHMcYpJg81q4ruCeea29VD0QkZ480wAtXTjxg11xTv/mqC0jeNg4Xnrn6sxAtWboMDbTgbO1r8iUZZ3WCFeuXJF/r0tgmLrwp/bIJwh4I3GsHDhQmlzPhG7X79+0rYKBBXfVZ4vfAkqriA4dIKD2hZBxeaHCmdo7WnTplWWaxho2LChsqwDx6Z2sNZszBYUEKz4d/5kj6D8bb1EAoTtICTmGU2bNrVldUl0J2EtVmCWoHgObA/hDKUBMJm3RVBUhFkfIhQQTckRsWnTptkWMVGqVKmw3hwm8paeG1cGCyotlMUyQRk3NnHhswkaiRBtwPdhWblBbIRVcTiHr5QtW1bWN7CYqly5sswHJajYWsyOHTvc9x46dEiVuhg2bJj7DUQarHQ4QWwXRIhmyJBBWeZjhqD0wXUsVLp06SLzsQqKSEVNJBya9AfnzbR7jd9zwGmPrl27KiuyoHGUK1dOWdbDdEEfC282ZghKOwJGCHORIkXcX5TiU1DsMBMDnjhxYrdICDMZPHiwusMD4ykCQrXavaQOHTrICTm8ePHCq2DDHd4/zj3OndkFp2vmzJmjLPOhbuILWuCAB3uqHJ7dtm2bPIPgU1Aslzli5C0ZQaXe7iP9fQF5DxVDfE6kwfBD76qdp7MD4su10zhWYIag2CrjYCf1ypQAByo68DvkLVmyRBw4cEBZgcOxa9RqhFBXfBUOvmHhwwFVrSFagRmC8oVfQdE69WeuAoGTs0QaLlu2TJV4QMkE3yfkKIH40rp1a0vP5EFIBMU+m7djMoHA8W9vggJ8OVbODyIZdvYrVKhgae8EIREUH4pv09DD8GcMV/D25RD+BOXgm2BHg7gSEkFxVmzChAnKcsHJDA5w6tOCBQvUVQ+OoMKbkAiK5SCT8mDd/8y7EN7AgQPFhw8fVKlDOBESQRGwzlIwWJiU7969250cwo+QCMoh4WKboIhZYqiK1E1cB/+sWLFC1q9tguKFSN4C0x0iH1u/+B5XOtEAJLZdHBIebDprdWwVUlB/f0Q5yUnmpD8Z/gfgJsMDqEV+SAAAAABJRU5ErkJggg==" width="148" height="51" alt="" style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Si en cualquier Día Hábil de la Tasa de Interés(i) durante el Periodo Aplicable, la Tasa SOFR no es publicada en los términos descritos en la definición de “Tasa SOFR”, la “Tasa de Interés” para ese Día Hábil de la Tasa de Interés será la Tasa SOFR(i) aplicable durante el Día Hábil de la Tasa de Interés(i) inmediato anterior en el cual la Tasa SOFR haya sido publicada en términos de lo descrito en la definición de “Tasa SOFR”.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Donde:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">d Significa el número de días calendario durante el Periodo Aplicable. </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">d0 Significa el número de Días Hábiles de la Tasa de Interés durante el Periodo Aplicable. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Día Hábil de la Tasa de Interés: Significa, respecto de cualquier Día Hábil de la Tasa de Interés(i), cualquier día, salvo por sábados, domingos o cualquier día durante el cual </span><span style="font-family:Arial; font-size:11pt">The</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Securities</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Industry</span><span style="font-family:Arial; font-size:11pt"> and </span><span style="font-family:Arial; font-size:11pt">Financial</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Markets</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Association</span><span style="font-family:Arial; font-size:11pt"> (SIFMA) recomiende que los departamentos de renta fija (</span><span style="font-family:Arial; font-size:11pt">fixed</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">income</span><span style="font-family:Arial; font-size:11pt">) de sus integrantes cierren durante todo el día para efectos de operaciones con valores gubernamentales de los Estados Unidos de América.</span>
</p>
<p style="margin:5pt 0pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">i Significa una serie de números completos del uno al d0, cada uno representando el Día Hábil de la Tasa de Interés correspondiente durante el Periodo Aplicable en orden cronológico a partir de (incluyendo) el primer Día Hábil de la Tasa de Interés durante el Periodo Aplicable (cada uno un “Día Hábil de la Tasa de Interés(i)").</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">n</span><span style="font-family:Arial; font-size:7.33pt; vertical-align:sub">i </span><span style="font-family:Arial; font-size:11pt">Respecto de cualquier Día Hábil de la Tasa de Interés(i), significa el número de días calendario desde (e incluyendo) dicho Día Hábil de la Tasa de Interés(i) hasta (excluyendo) el Día Hábil de la Tasa de Interés siguiente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">p Significa 5 (cinco) Días Hábiles de la Tasa de Interés.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Periodo Aplicable: Significa, respecto de cualquier Periodo de Intereses, el Periodo de Cumplimiento en relación con dicho Periodo de Intereses.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Periodo de Cumplimiento: Significa, respecto de cualquier Periodo de Intereses, el periodo desde (incluyendo) la fecha que sea el Día Hábil de la Tasa de Interés “p” anterior al primer día de dicho Periodo de Intereses y hasta (excluyendo) la fecha que sea el Día Hábil de la Tasa de Interés “p” anterior a la Fecha de Pago de Intereses para dicho Periodo de Intereses (o la fecha que sea el Día Hábil de la Tasa de Interés “p” anterior a la Fecha de Vencimiento).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Tasa de Interés(i) o </span><span style="font-family:Arial; font-size:11pt">REFi</span><span style="font-family:Arial; font-size:11pt">: Significa, respecto de cualquier Día Hábil de la Tasa de Interés(i), la Tasa SOFR para la Fecha de Determinación de la Tasa de Interés respecto de dicho Día Hábil de la Tasa de Interés(i).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Y Significa 360.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para determinar el monto de los intereses pagaderos en cada Periodo de Intereses, se utilizará la fórmula siguiente:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:center">
<img src="data:image/png;base64,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" width="161" height="48" alt="" style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En donde:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">I = </span><span style="width:20.41pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Interés del Periodo de Intereses.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">VN = </span><span style="width:8.18pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Valor Nominal de las Obligaciones Subordinadas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">TB = </span><span style="width:9.41pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Tasa de Interés más 281.161 (doscientos ochenta y uno punto ciento sesenta y uno) puntos base.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NDE = Número de días naturales efectivamente transcurridos de cada Periodo de Intereses.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor dará a conocer al Obligacionista con por lo menos 3 (tres) Días Hábiles de anticipación a la Fecha de Pago de Intereses, el importe de los intereses y el cálculo de la Tasa de Interés Bruto Anual aplicable al Periodo de Intereses respectivo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 22-1</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A partir de la Fecha de Emisión y hasta en tanto las Obligaciones Subordinadas no sean amortizadas en su totalidad, se devengarán intereses ordinarios sobre el Valor Nominal de las Obligaciones Subordinadas respectivas que hayan sido puestas en circulación que se </span><span style="font-family:Arial; font-size:11pt">calcularán dentro de los 3 (tres) Días Hábiles previos a la Fecha de Pago de Intereses correspondiente (la "Fecha de Determinación de la Tasa de Interés"), computados a partir de la Fecha de Emisión de las Obligaciones Subordinadas, y que regirá durante ese Periodo de Intereses, mismos que serán calculados conforme a lo siguiente:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">"Tasa de Interés": Significa, respecto de cualquier Periodo de Intereses, la tasa de retorno de una inversión diaria compuesta calculada de la siguiente manera; en el entendido que el porcentaje resultante deberá ser redondeado, en caso de resultar necesario, a la cienmilésima de punto porcentual (0.00001%) más cercana, debiendo redondear 0.000005% hacia arriba:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<img src="data:image/png;base64,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" width="148" height="51" alt="" style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Si en cualquier Día Hábil de la Tasa de Interés(i) durante el Periodo Aplicable, la Tasa SOFR no es publicada en los términos descritos en la definición de "Tasa SOFR”, la "Tasa de Interés" para ese Día Hábil de la Tasa de Interés será la Tasa SOFR(i) aplicable durante el Día Hábil de la Tasa de Interés(i) inmediato anterior en el cual la Tasa SOFR haya sido publicada en términos de lo descrito en la definición de "Tasa SOFR".</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Donde:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">d Significa el número de días calendario durante el Periodo Aplicable. </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">d0 Significa el número de Días Hábiles de la Tasa de Interés durante el Periodo Aplicable. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Día Hábil de la Tasa de Interés: Significa, respecto de cualquier Día Hábil de la Tasa de Interés(i), cualquier día, salvo por sábados, domingos o cualquier día durante el cual </span><span style="font-family:Arial; font-size:11pt">The</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Securities</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Industry</span><span style="font-family:Arial; font-size:11pt"> and </span><span style="font-family:Arial; font-size:11pt">Financial</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Markets</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Association</span><span style="font-family:Arial; font-size:11pt"> (SIFMA) recomiende que los departamentos de renta fija (</span><span style="font-family:Arial; font-size:11pt">fixed</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">income</span><span style="font-family:Arial; font-size:11pt">) de sus integrantes cierren durante todo el día para efectos de operaciones con valores gubernamentales de los Estados Unidos de América</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">i Significa una serie de números completos del uno al d0, cada uno representando el Día Hábil de la Tasa de Interés correspondiente durante el Periodo Aplicable en orden cronológico a partir de (incluyendo) el primer Día Hábil de la Tasa de Interés durante el Periodo Aplicable (cada uno un “Día Hábil de la Tasa de Interés(i)").</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">n</span><span style="font-family:Arial; font-size:7.33pt; vertical-align:sub">i </span><span style="font-family:Arial; font-size:11pt">Respecto de cualquier Día Hábil de la Tasa de Interés(i), significa el número de días calendario desde (e incluyendo) dicho Día Hábil de la Tasa de Interés(i) hasta (excluyendo) el Día Hábil de la Tasa de Interés siguiente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">p Significa 5 (cinco) Días Hábiles de la Tasa de Interés.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Periodo Aplicable: Significa, respecto de cualquier Periodo de Intereses, el Periodo de Cumplimiento en relación con dicho Periodo de Intereses.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Periodo de Cumplimiento: Significa, respecto de cualquier Periodo de Intereses, el periodo desde (incluyendo) la fecha que sea el Día Hábil de la Tasa de Interés “p” anterior al primer día de dicho Periodo de Intereses y hasta (excluyendo) la fecha que sea el Día Hábil de la </span><span style="font-family:Arial; font-size:11pt">Tasa de Interés “p” anterior a la Fecha de Pago de Intereses para dicho Periodo de Intereses (o la fecha que sea el Día Hábil de la Tasa de Interés “p” anterior a la Fecha de Vencimiento).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Tasa de Interés(i) o </span><span style="font-family:Arial; font-size:11pt">REFi</span><span style="font-family:Arial; font-size:11pt">: Significa, respecto de cualquier Día Hábil de la Tasa de Interés(i), la Tasa SOFR para la Fecha de Determinación de la Tasa de Interés respecto de dicho Día Hábil de la Tasa de Interés(i).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Y Significa 360.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para determinar el monto de los intereses pagaderos en cada Periodo de Intereses, se utilizará la fórmula siguiente:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:center">
<img src="data:image/png;base64,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" width="161" height="48" alt="" style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En donde:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">I = </span><span style="width:20.41pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Interés del Periodo de Intereses.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">VN = </span><span style="width:8.18pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Valor Nominal de las Obligaciones Subordinadas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">TB = </span><span style="width:9.41pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Tasa de Interés más 442 (cuatrocientos cuarenta y dos) puntos base.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NDE = Número de días naturales efectivamente transcurridos de cada Periodo de Intereses.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor dará a conocer al Obligacionista con por lo menos 3 (tres) Días Hábiles de anticipación a la Fecha de Pago de Intereses, el importe de los intereses y el cálculo de la Tasa de Interés Bruto Anual aplicable al Periodo de Intereses respectivo.</span>
</p>
<p style="margin:0pt; text-indent:-36pt; text-align:justify; padding-left:36pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 23 -1</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A partir de la Fecha de Emisión y hasta en tanto las Obligaciones Subordinadas no sean amortizadas en su totalidad, se devengarán intereses sobre el Valor Nominal de las Obligaciones Subordinadas a una tasa de interés anual de 13.65% (la "Tasa de Interés Inicial"), la cual se mantendrá fija durante los primeros 5 (cinco) años a partir de la Fecha de Emisión y posteriormente se actualizará en cada Fecha de Actualización de la Tasa de Interés.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La Tasa de Interés Inicial se determinó con base en (i) el rendimiento de los intereses de los Bonos M (la "Tasa de Referencia Bonos M") con vencimiento a cinco años publicada por el Banco de México en su página de internet (www.banxico.org.mx) en la fecha que fue 2 (dos) Días Hábiles anteriores a la Fecha de Emisión, más (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) 426 (cuatrocientos veintiséis) puntos base (el "Margen"). </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A partir de (A) la primera Fecha de Actualización de la Tasa de Interés, las Obligaciones Subordinadas devengarán intereses a una tasa anual que será igual a: (1) la Tasa de Referencia Bonos M con vencimiento a cuatro años que sea publicada por Banco de México en su página de internet (www.banxico.org.mx) en la fecha que sea 2 (dos) Días Hábiles anterior al inicio del Periodo de Intereses que ocurra en el quinto aniversario de la Fecha de Emisión, más (2) el Margen (la "Primera Tasa de Interés Actualizada"); y (B) la segunda Fecha de Actualización de la Tasa de Interés, las Obligaciones Subordinadas devengarán intereses a una tasa anual que será igual a: (1) la Tasa de Referencia Bonos M con vencimiento a un año que sea publicada por Banco de México en su página de internet </span><span style="font-family:Arial; font-size:11pt">(www.banxico.org.mx) en la fecha que sea 2 (dos) Días Hábiles anterior al inicio del Periodo de Intereses que ocurra en el noveno aniversario de la Fecha de Emisión, más (2) el Margen (la "Segunda Tasa de Interés Actualizada" y junto con la Primera Tasa de Interés Actualizada, la "Tasa de Interés Actualizada" y junto con la Tasa de Interés Inicial, la "Tasa de Interés").</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Lo anterior en el entendido que, si, en cualquier momento posterior a la primera Fecha de Pago de Intereses, el Banco de México dejara de publicar o proporcionar la Tasa de Referencia Bonos M, entonces, (a) para determinar la Tasa de Interés Actualizada, el Emisor utilizará como tasa de referencia (a la que se adicionará el Margen), la tasa que sea designada o recomendada por el Banco de México como sustituta de la Tasa de Referencia Bonos M, o bien, la tasa que resulte de aplicar el mecanismo que al efecto determine el Banco de México para determinar la tasa sustituta de la Tasa de Referencia Bonos M, o (b) en caso que el Banco de México no lleve a cabo la designación, recomendación o determinación a que se refiere el inciso (A), entonces, la Tasa de Interés que será aplicable a las Obligaciones Subordinadas a partir de la Fecha de Actualización de la Tasa de Interés de que se trate, será la Tasa de Interés aplicable durante el Periodo de Interés inmediato anterior a la Fecha de Actualización de la Tasa de Interés correspondiente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La Tasa de Interés Actualizada permanecerá fija desde (e incluyendo) la Fecha de Actualización de la Tasa de Interés respectiva y hasta (pero excluyendo) la Fecha de Actualización de la Tasa de Interés inmediata siguiente o la Fecha de Vencimiento, según sea el caso.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A más tardar el Día Hábil siguiente a cada Fecha de Actualización de la Tasa de Interés, el Emisor deberá confirmar por escrito al Obligacionista (y) la Tasa de Interés Actualizada para los Periodos de Interés siguientes y hasta (pero excluyendo) la Fecha de Actualización de la Tasa de Interés inmediata siguiente o la Fecha de Vencimiento, según sea el caso, y (z) el monto de intereses a ser pagado en las Fechas de Pago de Intereses siguientes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La Tasa de Interés Inicial se actualizará en cada una de las siguientes fechas (cada una de dichas fechas, una "Fecha de Actualización de la Tasa de Interés") (I) 6 de diciembre de 2028; y (II) 6 de diciembre de 2032.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los intereses que devenguen las Obligaciones Subordinadas se computarán desde (e incluyendo) la Fecha de Emisión y desde el inicio de (e incluyendo) cada Periodo de Intereses hasta el final de (e incluyendo) el último día de cada Periodo de Intereses (es decir, hasta e incluyendo la Fecha de Pago de Intereses inmediatamente siguiente), y los cálculos para determinar los intereses a pagar comprenderán los días naturales efectivamente transcurridos hasta la Fecha de Pago de Intereses siguiente. Los cálculos se efectuarán cerrándose a centésimas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para determinar el monto de intereses pagaderos en cada Periodo de Intereses respecto de las Obligaciones Subordinadas, se utilizará la siguiente fórmula:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:center">
<img src="data:image/png;base64,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" width="161" height="48" alt="" style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En donde:</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">I = Intereses a pagar en la Fecha de Pago de Intereses.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">VN</span><span style="width:20.72pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Valor Nominal del total de las Obligaciones Subordinadas en circulación.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">TB</span><span style="width:21.94pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Tasa de Interés (expresada en porcentaje).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NDE</span><span style="width:12.78pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Número de días naturales efectivamente transcurridos desde la última Fecha de Pago de Intereses y hasta la siguiente Fecha de Pago de Intereses.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 24 - 1</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A partir de la Fecha de Emisión y hasta en tanto las Obligaciones Subordinadas no sean amortizadas en su totalidad, se devengarán intereses sobre el Valor Nominal de las Obligaciones Subordinadas a una tasa de interés anual de 12.25% (doce punto veinticinco por ciento) (</span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> "Tasa de Interés Inicial"), la cual se mantendrá fija durante los primeros 5 (cinco) años a partir de la Fecha de Emisión y posteriormente se actualizará en cada Fecha de Actualización de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La Tasa de Interés Inicial se determinó con base en (i) el rendimiento de los intereses de los Bonos M (la "Tasa de Referencia Bonos M") con vencimiento a cinco años publicada por el Banco de México en su página de Internet (www.banxico.org.mx) en la fecha que fue 2 (dos) Días Hábiles anteriores a </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Fecha de Emisión, mas (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) 292 (doscientos noventa y dos) puntos base (el "Margen").</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A partir de (A) </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> primera Fecha de Actualización de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés, las Obligaciones Subordinadas devengarán intereses a una tasa anual que será igual a: (1) la Tasa de Referencia Bonos M con vencimiento a cuatro años que sea publicada por Banco de México en su página de internet (www.banxico.org.mx) en la fecha que sea 2 (dos) Días Hábiles anterior a la primera Fecha de Actualización de la Tasa de Interés, más (2) el Margen (</span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> "Primera Tasa de Interés Actualizada"); y (B) la segunda Fecha de Actualización de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés, las Obligaciones Subordinadas devengarán intereses a una tasa anual que será igual a: (1) </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Referencia Bonos M con vencimiento a un año que sea publicada por Banco de México en su página de Internet (www.banxico.org.mx) en la fecha que sea 2 (dos) Días Hábiles anterior a la segunda Fecha de Actualización de la Tasa de Interés, más (2) el Margen (</span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> "Segunda Tasa de Interés Actualizada" y junto con la Primera Tasa de Interés Actualizada, la "Tasa de Interés Actualizada" y junto con la Tasa de Interés Inicial, la "Tasa de Interés").</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Lo anterior en el entendido que, si, en cualquier momento, el Banco de México dejara de publicar o proporcionar </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Referencia Bonos M, entonces, (a) para determinar </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés Actualizada, el Emisor utilizará como tasa de referencia (a la que se adicionara el Margen), la tasa que sea designada o recomendada por el Banco de México como sustituta de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Referencia Bonos M para el plazo que corresponda, o bien, la tasa que resulte de aplicar el mecanismo que al efecto determine el Banco de México para determinar la tasa sustituta de la Tasa de Referencia Bonos M, o (b) en caso que el Banco de México no lleve a cabo la designación, recomendación o determinación a que se refiere el inciso (A), entonces, la Tasa de Interés que será aplicable a las Obligaciones Subordinadas a partir de la Fecha de Actualización de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés de que se trate, será la Tasa de Interés aplicable durante el Periodo de Interés inmediato anterior a la Fecha de Actualización de la Tasa de Interés correspondiente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La Tasa de Interés Actualizada permanecerá fija desde (e incluyendo) la Fecha de Actualización de la Tasa de Interés respectiva y hasta (pero excluyendo) </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Fecha de Actualización de la Tasa de Interés inmediata siguiente o la Fecha de Vencimiento, según sea el caso.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A más tardar el Dia Hábil siguiente a cada Fecha de Actualización de la Tasa de Interés, el Emisor deberá confirmar por escrito al Obligacionista (y) la Tasa de Interés Actualizada para los Periodos de Interés siguientes y hasta (pero excluyendo) la Fecha de Actualización de la Tasa de Interés inmediata siguiente o la Fecha de Vencimiento, según sea el caso, y (z) el monto de intereses a ser pagado en las Fechas de Pago de Intereses siguientes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La Tasa de Interés se actualizará en cada una de las siguientes fechas (cada una de dichas fechas, una "Fecha de Actualización de la Tasa de Interés") (I) 28 de febrero de 2029; y (II) 28 de febrero de 2033.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los intereses que devenguen las Obligaciones Subordinadas se computarán desde (e incluyendo) la Fecha de Emisión y desde el inicio de (e incluyendo) cada Periodo de Intereses hasta el final de (e incluyendo) el último día de cada Periodo de Intereses (es decir, hasta e incluyendo la Fecha de Pago de Intereses inmediatamente siguiente), y los cálculos para determinar los intereses a pagar comprenderán los días naturales efectivamente transcurridos hasta la Fecha de Pago de Intereses siguiente. Los cálculos se efectuarán cerrándose a centésimas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para determinar </span><span style="font-family:Arial; font-size:11pt">eI</span><span style="font-family:Arial; font-size:11pt"> monto de intereses pagaderos en cada Periodo de Intereses respecto de las Obligaciones Subordinadas, se utilizará la siguiente fórmula:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:center">
<img src="data:image/png;base64,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" width="161" height="48" alt="" style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En donde:</span>
</p>
<p style="margin:0pt; text-align:justify; widows:0; orphans:0">
<span style="font-family:Arial; font-size:11pt">I = </span><span style="font-family:Arial; font-size:11pt">Interés pagadero del Periodo de Intereses. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">VN</span><span style="width:20.72pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Valor Nominal del total de las Obligaciones Subordinadas en circulación. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">TB </span><span style="width:18.89pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= La Tasa de Interés (expresada en porcentaje). </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NDE </span><span style="width:9.72pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Número de días naturales efectivamente transcurridos de cada Periodo de Intereses. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A más tardar el Día Hábil siguiente a la Fecha de Emisión, el Emisor deberá confirmar por escrito al Obligacionista, el monto de intereses a ser pagado en cada Fecha de Pago de Intereses hasta la primer Fecha de Actualización de la Tasa de Interés. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; color:#365f91"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 24 - 2</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A partir de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Fecha de Emisión y hasta en tanto las Obligaciones Subordinadas no sean amortizadas en su totalidad, se devengarán intereses ordinarios sobre el Valor Nominal de las Obligaciones Subordinadas que se calcularán dentro de los 3 (tres) Días Hábiles previos a la Fecha de Pago de Intereses correspondiente (la "Fecha de Determinación de la Tasa de Interés"), computados a partir de la Fecha de Emisión de las Obligaciones Subordinadas, y que regirá durante ese Periodo de Intereses, mismos que serán calculados conforme a lo siguiente:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">"Tasa de Interés": significa, respecto de cualquier Periodo de Intereses, la tasa de retorno de una inversión diaria compuesta calculada de la siguiente manera; en el entendido que el porcentaje resultante deberá ser redondeado, en caso de resultar necesario, a la cienmilésima de punto porcentual (0.00001%) más cercana, debiendo redondear 0.000005% hacia arriba:</span>
</p>
<p style="margin:5pt 0pt 0pt; text-align:justify">
<img src="data:image/png;base64,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" width="180" height="61" alt="" style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Si en cualquier Dia Hábil de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés (i) durante el Período Aplicable, la Tasa SOFR no es publicada en los términos descritos en la definición de "Tasa SOFR", </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> "Tasa de Interés" para ese Dia Hábil de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés será la Tasa SOFR(i) aplicable durante el Dia Hábil de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés(i) inmediato anterior en el cual </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa SOFR haya sido publicada en términos de lo descrito en la definición de "Tasa SOFR".</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En donde:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">d</span><span style="width:29.88pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Significa el número de días calendario durante el Periodo Aplicable.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">d</span><span style="font-family:Arial; font-size:9pt">o</span><span style="width:24.88pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Significa el número de Días Hábiles de la Tasa de Interés durante el Periodo Aplicable.</span>
</p>
<p style="margin:0pt; text-indent:-36pt; text-align:justify; padding-left:36pt">
<span style="font-family:Arial; font-size:11pt">i</span><span style="width:33.56pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Significa una serie de números completos del uno al d</span><span style="font-family:Arial; font-size:9pt">o</span><span style="font-family:Arial; font-size:11pt">, cada uno representando el Dia Hábil de la Tasa de Interés correspondiente durante el Periodo Aplicable en orden cronológico a partir de (incluyendo) el primer Dia Hábil de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés durante el Periodo Aplicable (cada uno un "Dia Hábil de la Tasa de Interés(i)").</span>
</p>
<p style="margin:0pt; text-indent:-36pt; text-align:justify; padding-left:36pt">
<span style="font-family:Arial; font-size:11pt">n</span><span style="font-family:Arial; font-size:8pt">i</span><span style="width:28.1pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Significa, respecto de cualquier Dia Hábil de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés(i), significa el número de días calendario desde (e incluyendo) dicho Dia Hábil de la Tasa de Enteres (i) hasta (excluyendo) el Dia Hábil de la Tasa de Interés siguiente.</span>
</p>
<p style="margin:0pt; text-indent:-36pt; text-align:justify; padding-left:36pt">
<span style="font-family:Arial; font-size:11pt">REFi</span><span style="width:11.56pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Significa, respecto de cualquier Dia Hábil de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés(i), </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa SOFR para la Fecha de Determinación de la Tasa de Interés respecto de dicho Dia Hábil de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés(i).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">p</span><span style="width:29.88pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Significa 5 (cinco) Días Hábiles de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Y</span><span style="width:28.66pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Significa 360 días.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para efectos de lo establecido en la presente sección, los siguientes términos tendrán los significados que se les atribuyen a continuación:</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">"Periodo Aplicable” significa, respecto de cualquier Periodo de Intereses, el Periodo de Cumplimiento en relación con dicho Periodo de Intereses.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">"Periodo de Cumplimiento” significa, respecto de cualquier Periodo de Intereses, el periodo desde (incluyendo) la fecha que sea el Dia Hábil de la Tasa de Interés "p" anterior al primer día de dicho Periodo de Intereses y hasta (excluyendo) </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> fecha que sea el Dia Hábil de la Tasa de Interés "p" anterior a la Fecha de Pago de Intereses para dicho Periodo de Intereses (o la fecha que sea el Dia Hábil de la Tasa de interés "p" anterior a </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Fecha de Vencimiento).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">"Dia Hábil la Tasa de interés” significa, respecto de cualquier Dia Hábil de la Tasa de Interés(i), cualquier día, salvo por sábados, domingos o cualquier día durante el cual </span><span style="font-family:Arial; font-size:11pt">The</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Securities</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Industry</span><span style="font-family:Arial; font-size:11pt"> and </span><span style="font-family:Arial; font-size:11pt">Financial</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Markets</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Association</span><span style="font-family:Arial; font-size:11pt"> (SIFMA) recomiende que los departamentos de renta fija (</span><span style="font-family:Arial; font-size:11pt; font-style:italic">fixed</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic">income</span><span style="font-family:Arial; font-size:11pt">) de sus integrantes cierren durante todo el día para efectos de operaciones con valores gubernamentales de los Estados Unidos de América.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">"Tasa</span><span style="width:7.64pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">de interés(i)" o "REF," significa, respecto de cualquier Dia Hábil de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés(i), la Tasa SOFR para </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Fecha de Determinación de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés respecto de dicho Dia Hábil de la Tasa de Interés(i).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">“Tasa SOFR"</span><span style="width:6.37pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">significa, respecto de cualquier Dia Hábil de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés, la Tasa de Financiamiento Garantizado a un Día (</span><span style="font-family:Arial; font-size:11pt">Secured</span><span style="font-family:Arial; font-size:11pt"> Overnight </span><span style="font-family:Arial; font-size:11pt">Financing</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Rate</span><span style="font-family:Arial; font-size:11pt"> o "SOFR") que sea administrada por el Banco de la Reserva Federal de Nueva York (</span><span style="font-family:Arial; font-size:11pt; font-style:italic">Federal Reserve Bank </span><span style="font-family:Arial; font-size:11pt; font-style:italic">of</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> New York</span><span style="font-family:Arial; font-size:11pt">),</span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:11pt">o cualquier administrador sucesor, publicada alrededor de las 3:00 p.m. (hora de la ciudad de Nueva York, Estado de Nueva York, Estados Unidos de América) en la siguiente página de Internet del Banco de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Reserva Federal de Nueva York (o cualquier fuente que le suceda): http://www.newyorkfed.org, el Dia Hábil de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa de Interés siguiente para operaciones realizadas en dicho Dia Hábil de la Tasa de Interés, o cualquier tasa sustituta determinada por el Banco de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Reserva Federal de Nueva York (</span><span style="font-family:Arial; font-size:11pt; font-style:italic">Federal Reserve Bank </span><span style="font-family:Arial; font-size:11pt; font-style:italic">of</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> New York</span><span style="font-family:Arial; font-size:11pt">), o cualquier administrador sucesor. En caso de que (i) </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Tasa SOFR no sea publicada o deje de ser una tasa aplicable según lo determine el Banco de la Reserva Federal de Nueva York (</span><span style="font-family:Arial; font-size:11pt; font-style:italic">Federal Reserve Bank </span><span style="font-family:Arial; font-size:11pt; font-style:italic">of</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> New York</span><span style="font-family:Arial; font-size:11pt">), o cualquier administrador sucesor, y (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) el Banco de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Reserva Federal de Nueva York (</span><span style="font-family:Arial; font-size:11pt; font-style:italic">Federal Reserve Bank </span><span style="font-family:Arial; font-size:11pt; font-style:italic">of</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> New York</span><span style="font-family:Arial; font-size:11pt">), o cualquier</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">administrador sucesor no haya determinado una tasa sustituta, el Emisor y el Obligacionista negociarán de buena fe cual será la tasa sustituta. La tasa sustituta resultará aplicable a partir del Periodo de Intereses inmediato siguiente al Periodo de Intereses durante el cual la Tasa SOFR haya dejado de ser válida o estar vigente. El Emisor se obliga a realizar todos los actos que resulten necesarios para efectos de modificar el Titulo con la finalidad de reflejar la tasa sustituta aplicable.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para determinar el monto de intereses pagaderos en cada Periodo de Intereses respecto de las Obligaciones Subordinadas, se utilizará la siguiente formula:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:center">
<img src="data:image/png;base64,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" width="161" height="48" alt="" style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En donde:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En donde:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">I = Intereses del Periodo de Intereses.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">VN</span><span style="width:20.72pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Valor Nominal de las Obligaciones Subordinadas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">TB</span><span style="width:21.94pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Tasa de Interés más 329 (trescientos veintinueve) puntos base.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NDE</span><span style="width:12.78pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Número de días naturales efectivamente transcurridos de cada Periodo de Intereses.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El emisor dará a conocer al Obligacionista con por lo menos 3 (tres) Días Hábiles de Anticipación a la Fecha de Pago de Intereses, el importe de los intereses y el cálculo de la Tasa de Interés Aplicable al Periodo de Intereses respectivo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 25</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A partir de la Fecha de Emisión y hasta en tanto las Obligaciones Subordinadas no sean amortizadas en su totalidad, se devengarán intereses sobre el Valor Nominal de las Obligaciones Subordinadas a una tasa de interés anual de 11.07% (once punto cero siete por ciento) (la “Tasa de Interés Inicial”), la cual se mantendrá fija durante los primeros 5 (cinco) años a partir de la Fecha de Emisión y posteriormente se actualizará en cada Fecha de Actualización de la Tasa de Interés.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La Tasa de Interés Inicial se determinó con base en (i) el rendimiento de los intereses de los Bonos M (la “Tasa de Referencia Bonos M”) con vencimiento a cinco años publicada por el Banco de México en su página de internet (www.banxico.org.mx) en la fecha que fue 2 (dos) Días Hábiles anteriores a la Fecha de Emisión, más (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) 299 (doscientos noventa y nueve) puntos base (el “Margen”).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0.1pt 0pt 0pt; text-align:justify; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">A partir de (A) la primera Fecha de Actualización de la Tasa de Interés, las Obligaciones Subordinadas devengarán intereses a una tasa anual que será igual a: (1) la Tasa de Referencia Bonos M con vencimiento a cuatro años que sea publicada por Banco de México en su página de internet </span><a style="color:#000000" href="http://www.banxico.org.mx/"><span style="font-family:Arial; font-size:11pt">(</span></a><a style="color:#000000" href="http://www.banxico.org.mx/"><span style="font-family:Arial; font-size:11pt">www.banxico.org.mx</span></a><a style="color:#000000" href="http://www.banxico.org.mx/"><span style="font-family:Arial; font-size:11pt">)</span></a><span style="font-family:Arial; font-size:11pt"> en la fecha que sea 2 (dos) Días Hábiles anterior a la primera Fecha de Actualización de la Tasa de Interés, más (2) el Margen (la “Primera Tasa de Interés Actualizada”); y (B) la segunda Fecha de Actualización de la Tasa de Interés, las Obligaciones Subordinadas devengarán intereses a una tasa anual que será igual a: (1) la Tasa de Referencia Bonos M con vencimiento a un año que sea publicada por Banco de México en su página de internet </span><a style="color:#000000" href="http://www.banxico.org.mx/"><span style="font-family:Arial; font-size:11pt">(</span></a><a style="color:#000000" href="http://www.banxico.org.mx/"><span style="font-family:Arial; font-size:11pt">www.banxico.org.mx</span></a><a style="color:#000000" href="http://www.banxico.org.mx/"><span style="font-family:Arial; font-size:11pt">)</span></a><span style="font-family:Arial; font-size:11pt"> en la fecha que sea 2 (dos) Días Hábiles anterior a la segunda Fecha de Actualización de la Tasa de Interés, más (2) el Margen (la “Segunda Tasa de Interés Actualizada” y junto con la Primera Tasa de Interés Actualizada, la “Tasa de Interés Actualizada” y junto con la Tasa de Interés Inicial, la “Tasa de Interés”). </span>
</p>
<p style="margin:12.5pt 0pt 0pt; text-align:justify; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt; letter-spacing:-0.1pt">Lo anterior en el entendido que, si, en cualquier momento, el Banco de México dejara de publicar o proporcionar la Tasa de Referencia Bonos M, entonces, (a) para determinar la Tasa de Interés Actualizada, el Emisor utilizará como tasa de referencia (a la que se adicionará el Margen), la tasa que sea designada o recomendada por el Banco de México como sustituta de la Tasa de Referencia Bonos M por el periodo que corresponda, o bien, la tasa que resulte de aplicar el mecanismo que al efecto determine el Banco de México para determinar la tasa sustituta de la Tasa de Referencia Bonos M, o (b) en caso que el Banco de México no lleve a cabo la designación, recomendación o determinación a que se refiere el inciso (A), entonces, la Tasa de Interés que será aplicable a las Obligaciones Subordinadas a partir de la Fecha de Actualización de la Tasa de Interés de que se trate, será la Tasa de Interés aplicable durante el Periodo de Interés inmediato anterior a la Fecha de Actualización de la Tasa de Interés correspondiente.</span>
</p>
<p style="margin:12.65pt 0pt 0pt; text-align:justify; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt; letter-spacing:-0.05pt">La Tasa de Interés Actualizada permanecerá fija desde (e incluyendo) la Fecha de Actualización de la Tasa de Interés respectiva y hasta (pero excluyendo) la Fecha de Actualización de la Tasa de Interés inmediata siguiente o la Fecha de Vencimiento, según sea el caso.</span>
</p>
<p style="margin:12.8pt 0pt 0pt; text-align:justify; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">A más tardar el Dia Hábil siguiente a cada Fecha de Actualización de la Tasa de Interés, el Emisor deberá confirmar por escrito al Obligacionista (y) la Tasa de Interés Actualizada para los Periodos de Interés siguientes y hasta (pero excluyendo) la Fecha de Actualización de la Tasa de Interés inmediata siguiente o la Fecha de Vencimiento, según sea el caso, y (z) el monto de intereses a ser pagado en las Fechas de Pago de Intereses siguientes.</span>
</p>
<p style="margin:12.45pt 0pt 0pt; text-align:justify; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">La Tasa de Interés se actualizará en cada una de las siguientes fechas (cada una de dichas fechas, una “Fecha de Actualización de la Tasa de Interés”) (I) 30 de octubre de 2030; y (II) 30 de octubre de 2034.</span>
</p>
<p style="margin:12.65pt 0pt 0pt; text-align:justify; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">Los intereses que devenguen las Obligaciones Subordinadas se computarán desde (e incluyendo) la Fecha de Emisión y desde el inicio de (e incluyendo) cada Periodo de Intereses hasta (y excluyendo) el último día de cada Periodo de Intereses, y los cálculos para </span><span style="font-family:Arial; font-size:11pt">determinar los intereses a pagar comprenderán los días naturales efectivamente transcurridos hasta (pero excluyendo) la Fecha de Pago de Intereses siguiente. Los cálculos se efectuarán cerrándose a centésimas.</span>
</p>
<p style="margin:12.85pt 0pt 0pt; text-align:justify; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">Para determinar el monto de intereses pagaderos en cada Periodo de Intereses respecto de las Obligaciones Subordinadas, se utilizará la siguiente fórmula:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:center">
<img src="data:image/png;base64,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" width="161" height="48" alt="" style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En donde:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En donde:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">I = Intereses del Periodo de Intereses.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">VN</span><span style="width:20.72pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Valor Nominal de las Obligaciones Subordinadas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">TB</span><span style="width:21.94pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Tasa de Interés más 329 (trescientos veintinueve) puntos base.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NDE</span><span style="width:12.78pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">= Número de días naturales efectivamente transcurridos de cada Periodo de Intereses.</span>
</p>
<p style="margin:12.45pt 0pt 0pt; text-align:justify; line-height:12.75pt">
<span style="font-family:Arial; font-size:11pt">El Emisor deberá informar al Obligacionista y al Indeval (por escrito, pudiendo ser por correo electrónico) con 2 (dos) Días Hábiles de anticipación a la Fecha de Pago de Intereses el monto de los intereses pagadero y el cálculo de la Tasa de Interés aplicable en el Periodo de Interés correspondiente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Periodicidad de pago de intereses</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 18-1</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las obligaciones subordinadas serán amortizadas en su totalidad en la fecha de vencimiento.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los intereses ordinarios que devenguen las Obligaciones Subordinadas en cada periodo integrado por los días señalados en la siguiente tabla, se pararán en el último día de cada periodo de intereses conforme al calendario de pago de intereses que se establece a continuación:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:496.65pt">
<thead>
<tr style="height:18.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">Fecha de inicio del periodo de intereses</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">Fecha de terminación del periodo de intereses</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">Fecha de pago de intereses</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">Número de días del periodo de interés</span>
</p>
</td>
</tr>
</thead>
<tbody>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de noviembre de 2022</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de febrero de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de febrero de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">91</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de febrero de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">30 de mayo de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">30 de mayo de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">30 de mayo de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de agosto de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de agosto de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">91</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de agosto de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de noviembre de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de noviembre de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">90</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de noviembre de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de febrero de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de febrero de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de febrero de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de mayo de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de mayo de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">91</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de mayo de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de agosto de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de agosto de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">91</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de agosto de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de noviembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de noviembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de noviembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de febrero de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de febrero de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de febrero de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de mayo de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de mayo de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">89</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de mayo de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de agosto de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de agosto de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de agosto de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de noviembre de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de noviembre de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">93</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de noviembre de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de febrero de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de febrero de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">89</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de febrero de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de mayo de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de mayo de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de mayo de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de agosto de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de agosto de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de agosto de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de noviembre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de noviembre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de noviembre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de febrero de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de febrero de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">91</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de febrero de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de mayo de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de mayo de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">90</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de mayo de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de agosto de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de agosto de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de agosto de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de noviembre de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de noviembre de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">94</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de noviembre de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">91</span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">31 de mayo de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:129.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">31 de mayo de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:103.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">93</span>
</p>
</td>
</tr>
</tbody>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Si cualquier periodo de intereses terminará en un día que no sea un día hábil, dicho periodo de intereses terminará el día hábil inmediato siguiente, en el entendido que, si el día hábil inmediato siguiente sea un día hábil del mes calendario siguiente, dicho periodo de intereses terminará el día hábil inmediato anterior a dicha fecha que sea un día que no sea hábil.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 22-1</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las Obligaciones Subordinadas serán amortizadas en su totalidad en la Fecha de Vencimiento.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los intereses ordinarios que devenguen las Obligaciones Subordinadas puestas en circulación en cada periodo integrado por los días señalados en la siguiente tabla (cada uno, un "Periodo de Intereses''), se pagarán en el último día de cada Periodo de Intereses (cada uno, una "Fecha de Pago de Intereses''); en el entendido que los Periodos de Intereses iniciarán en las fechas que se señalan en la columna denominada "Fecha de inicio del Periodo de Intereses" (dichas fechas se incluirán para efectos de computar intereses) de la siguiente tabla y terminarán en las fechas que se señalan en la columna denominada "Fecha de terminación del Periodo de Intereses" (dichas fechas se excluirán para efectos de computar intereses) de la siguiente tabla:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:500.75pt">
<thead>
<tr style="height:25.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#212121">Fecha </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#343434">de </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#212121">inicio </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#343434">del Periodo de Intereses</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#343434">Fecha de </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#212121">terminación </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#343434">del Periodo de </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#212121">Intereses</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold; letter-spacing:-0.1pt; color:#343434">Fecha de pago </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; letter-spacing:-0.1pt; color:#212121">de intereses</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#343434">Número de días del Periodo de Intereses</span>
</p>
</td>
</tr>
</thead>
<tbody>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#0e0e0e">7 de diciembre de 2022</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#0e0e0e">7 de marzo de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de marzo de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">90</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#0e0e0e">7 de marzo de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de junio de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de junio de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#0e0e0e">7 de junio de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 </span><span style="font-family:Arial; font-size:10pt; color:#0e0e0e">de septiembre de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de septiembre de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#0e0e0e">7 de septiembre de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de diciembre de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de diciembre de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; letter-spacing:-0.25pt; color:#111111">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#0e0e0e">7 de diciembre de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de marzo de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de marzo de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de marzo de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de junio de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de junio de </span><span style="font-family:Arial; font-size:10pt; color:#212121">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">7 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de </span><span style="font-family:Arial; font-size:10pt; color:#212121">junio </span><span style="font-family:Arial; font-size:10pt; color:#111111">de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">9 de septiembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">9 de septiembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; letter-spacing:-0.25pt; color:#111111">94</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">9 de septiembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">9 de diciembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">9 de diciembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">9 de diciembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de marzo de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de marzo de </span><span style="font-family:Arial; font-size:10pt; color:#212121">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">88</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de marzo de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">9 de </span><span style="font-family:Arial; font-size:10pt; color:#212121">junio </span><span style="font-family:Arial; font-size:10pt; color:#111111">de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">9 de junio </span><span style="font-family:Arial; font-size:10pt; color:#212121">de </span><span style="font-family:Arial; font-size:10pt; color:#111111">2025</span>
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</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">94</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">9 de </span><span style="font-family:Arial; font-size:10pt; color:#111111">junio de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">8 de septiembre </span><span style="font-family:Arial; font-size:10pt; color:#212121">de </span><span style="font-family:Arial; font-size:10pt; color:#111111">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">8 de septiembre </span><span style="font-family:Arial; font-size:10pt; color:#212121">de </span><span style="font-family:Arial; font-size:10pt; color:#111111">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; letter-spacing:-0.25pt; color:#111111">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">8 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de </span><span style="font-family:Arial; font-size:10pt; color:#212121">septiembre de </span><span style="font-family:Arial; font-size:10pt; color:#111111">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">8 </span><span style="font-family:Arial; font-size:10pt; color:#212121">de </span><span style="font-family:Arial; font-size:10pt; color:#111111">diciembre </span><span style="font-family:Arial; font-size:10pt; color:#212121">de </span><span style="font-family:Arial; font-size:10pt; color:#111111">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">8 de diciembre de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#343434">8 </span><span style="font-family:Arial; font-size:10pt; color:#212121">de </span><span style="font-family:Arial; font-size:10pt; color:#111111">diciembre </span><span style="font-family:Arial; font-size:10pt; color:#212121">de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">9 de </span><span style="font-family:Arial; font-size:10pt; color:#212121">marzo </span><span style="font-family:Arial; font-size:10pt; color:#111111">de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">9 de marzo de </span><span style="font-family:Arial; font-size:10pt; color:#212121">2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; letter-spacing:-0.25pt; color:#212121">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">9 de </span><span style="font-family:Arial; font-size:10pt; color:#111111">marzo de </span><span style="font-family:Arial; font-size:10pt; color:#212121">2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">8 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de junio de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">8 de junio </span><span style="font-family:Arial; font-size:10pt; color:#212121">de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">8 de </span><span style="font-family:Arial; font-size:10pt; color:#4b4b4b">j</span><span style="font-family:Arial; font-size:10pt; color:#111111">uni</span><span style="font-family:Arial; font-size:10pt; color:#343434">o de </span><span style="font-family:Arial; font-size:10pt; color:#111111">2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">8 de </span><span style="font-family:Arial; font-size:10pt; color:#212121">septiembre de </span><span style="font-family:Arial; font-size:10pt; color:#111111">2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">8 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de septiembre </span><span style="font-family:Arial; font-size:10pt; color:#212121">de </span><span style="font-family:Arial; font-size:10pt; color:#111111">2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; letter-spacing:-0.25pt; color:#343434">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">8 de septiembre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de diciembre de </span><span style="font-family:Arial; font-size:10pt">2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de diciembre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">90</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#343434">7 </span><span style="font-family:Arial; font-size:10pt; color:#212121">de </span><span style="font-family:Arial; font-size:10pt; color:#111111">diciembre de </span><span style="font-family:Arial; font-size:10pt; color:#212121">2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">8 de marzo de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">8 de marzo de </span><span style="font-family:Arial; font-size:10pt; color:#212121">2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; letter-spacing:-0.25pt; color:#212121">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">8 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de marzo de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de junio de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">7 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de junio </span><span style="font-family:Arial; font-size:10pt; color:#212121">de </span><span style="font-family:Arial; font-size:10pt; color:#111111">2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#343434">7 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de junio de 2027</span>
</p>
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<span style="font-family:Arial; font-size:10pt; color:#212121">7 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de septiembre de 2027</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de septiembre de 2027</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">92</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">7 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de septiembre de 2027</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de diciembre de 2027</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 </span><span style="font-family:Arial; font-size:10pt; color:#212121">de </span><span style="font-family:Arial; font-size:10pt; color:#111111">diciembre de 2027</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">91</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de diciembre </span><span style="font-family:Arial; font-size:10pt; color:#212121">de </span><span style="font-family:Arial; font-size:10pt; color:#111111">2027</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de marzo de 2028</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">7 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de marzo </span><span style="font-family:Arial; font-size:10pt; color:#212121">de </span><span style="font-family:Arial; font-size:10pt; color:#111111">2028</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">91</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">7 de </span><span style="font-family:Arial; font-size:10pt; color:#111111">marzo de </span><span style="font-family:Arial; font-size:10pt; color:#212121">2028</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 </span><span style="font-family:Arial; font-size:10pt; color:#212121">de </span><span style="font-family:Arial; font-size:10pt; color:#111111">junio de </span><span style="font-family:Arial; font-size:10pt; color:#212121">2028</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de </span><span style="font-family:Arial; font-size:10pt; color:#212121">junio de </span><span style="font-family:Arial; font-size:10pt; color:#111111">2028</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">92</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de junio de 2028</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">7 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de septiembre de 2028</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">7 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de septiembre de 2028</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">92</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">7 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de septiembre de 2028</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#343434">7 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de diciembre de 2028</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de diciembre de 2028</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; letter-spacing:-0.25pt; color:#111111">91</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de diciembre de 2028</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de marzo de 2029</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de marzo de 2029</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">90</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de marzo </span><span style="font-family:Arial; font-size:10pt; color:#212121">de </span><span style="font-family:Arial; font-size:10pt; color:#111111">2029</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de </span><span style="font-family:Arial; font-size:10pt; color:#212121">junio </span><span style="font-family:Arial; font-size:10pt; color:#111111">de 2029</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 de </span><span style="font-family:Arial; font-size:10pt; color:#212121">junio </span><span style="font-family:Arial; font-size:10pt; color:#111111">de </span><span style="font-family:Arial; font-size:10pt; color:#212121">2029</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">92</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">7 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de junio de 2029</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">7 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de </span><span style="font-family:Arial; font-size:10pt">septiembre </span><span style="font-family:Arial; font-size:10pt; color:#111111">de </span><span style="font-family:Arial; font-size:10pt">2029</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">7 </span><span style="font-family:Arial; font-size:10pt">de septiembre </span><span style="font-family:Arial; font-size:10pt; color:#111111">de </span><span style="font-family:Arial; font-size:10pt">2029</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; letter-spacing:-0.25pt; color:#111111">92</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">7 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de septiembre de 2029</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">7 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de diciembre de 2029</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#212121">7 </span><span style="font-family:Arial; font-size:10pt; color:#111111">de diciembre de 2029</span>
</p>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#111111">91</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de diciembre de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de </span><span style="font-family:Arial; font-size:10pt; color:#161616">marzo </span><span style="font-family:Arial; font-size:10pt; color:#050505">de </span><span style="font-family:Arial; font-size:10pt; color:#161616">2030</span>
</p>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de marzo de 2030</span>
</p>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; letter-spacing:-0.25pt; color:#050505">90</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de marzo de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de junio de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de junio de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; letter-spacing:-0.25pt; color:#050505">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de junio de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">9 de septiembre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">9 de septiembre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">94</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#161616">9 </span><span style="font-family:Arial; font-size:10pt; color:#050505">de septiembre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">9 de diciembre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">9 de diciembre de </span><span style="font-family:Arial; font-size:10pt; color:#161616">2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; letter-spacing:-0.25pt; color:#050505">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">9 de diciembre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de marzo de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de marzo de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">88</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de marzo de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">9 de junio de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">9 de junio de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">94</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">9 de junio de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">8 de septiembre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">8 de septiembre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">8 de septiembre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">8 de diciembre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">8 de diciembre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">8 de diciembre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">8 de marzo de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">8 de marzo de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">8 de marzo de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de junio de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de junio de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; letter-spacing:-0.25pt; color:#050505">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de junio de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de septiembre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de septiembre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:129pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de septiembre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de diciembre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; color:#050505">7 de diciembre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:101pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; letter-spacing:-0.25pt; color:#050505">91</span>
</p>
</td>
</tr>
</tbody>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Si cualquier Período de Intereses terminará en un día que no sea un Día Hábil, dicho Periodo de Intereses terminará el Día Hábil inmediato siguiente, salvo que el Día Hábil inmediato siguiente caiga en el mes calendario siguiente, en cuyo caso el Periodo de Intereses terminará el Día Hábil inmediato anterior. Cualquier Periodo de Intereses que termine después de la Fecha de Vencimiento, terminará precisamente en la Fecha de Vencimiento.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 23-1 </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las Obligaciones Subordinadas serán amortizadas en su totalidad en la Fecha de Vencimiento.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los intereses ordinarios que devenguen las Obligaciones Subordinadas puestas en circulación, en cada periodo integrado por los días señalados en la siguiente tabla (cada uno, un "Periodo de Intereses"), se pagarán en el último día de cada Periodo de Intereses (cada uno, una "Fecha de Pago de Intereses"); en el entendido que los Periodos de Intereses </span><span style="font-family:Arial; font-size:11pt">iniciarán en las fechas que se señalan en la columna denominada "Fecha de inicio del Periodo de Interés" de la siguiente tabla y terminarán en las fechas que se señalan en la columna denominada "Fecha de terminación del Periodo de Interés" de la siguiente tabla:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:100%">
<tr style="height:29.25pt">
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Fecha de inicio del Periodo de Interés</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Fecha de terminación del Periodo de Interés</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Fecha de Pago de Intereses </span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Número de días del Periodo </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; font-style:italic">de</span><span style="font-family:Arial; font-size:10pt; font-weight:bold"> Intereses</span>
</p>
</td>
</tr>
<tr style="height:15.65pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">183</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">183</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">182</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">8 de diciembre de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">183</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">8 de junio de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">182</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">7 de diciembre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">183</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">7 de junio de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">182</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">183</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">183</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">183</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">182</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">183</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">182</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">183</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">182</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">8 de diciembre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">183</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">7 de junio de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">183</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">183</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">182</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de junio de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de</span><span style="font-family:Arial; font-size:10pt; font-style:italic"> </span><span style="font-family:Arial; font-size:10pt">diciembre de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6 de diciembre de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">183</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Si cualquier Período de Intereses termina en un día que no sea un Día Hábil, dicho Periodo de Intereses se prorrogará al Día Hábil inmediato siguiente (y no se devengarán intereses durante el periodo de dicha prorroga), en el entendido que, si el Día Hábil inmediato siguiente es un Día Hábil del mes calendario inmediato siguiente, dicho Periodo de Intereses terminará el Día Hábil inmediato anterior a la fecha en que los intereses deban ser pagados. Cualquier Periodo de Intereses que termine después de la Fecha de Vencimiento, terminará precisamente en la Fecha de Vencimiento.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 24-1 </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las Obligaciones Subordinadas serán amortizadas en su totalidad en </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Fecha de Vencimiento.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los intereses ordinarios que devenguen las Obligaciones Subordinadas puestas en circulación, en cada periodo integrado por los días señalados en la siguiente tabla (cada uno, un "Periodo de Intereses"), se pagarán en el último día de cada Periodo de Intereses (cada uno, una "Fecha de Pago de Intereses"); en el entendido que los Periodos de Intereses iniciarán en las fechas que se señalan en la columna denominada "Fecha de inicio del Periodo de Interés" de la siguiente tabla y terminarán en las fechas que se señalan en la columna denominada "Fecha de terminación del Periodo de Interés" de la siguiente tabla:</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:100%">
<tr style="height:29.25pt">
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Fecha de inicio del Periodo de Interés</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Fecha de terminación del Periodo de Interés</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Fecha de Pago de Intereses </span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Número de días del Periodo </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; font-style:italic">de</span><span style="font-family:Arial; font-size:10pt; font-weight:bold"> Intereses</span>
</p>
</td>
</tr>
<tr style="height:14.1pt">
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:normal">28 de febrero de 2024,</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:normal">28 de agosto de 2024</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:normal">28 de agosto de 2024</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">182</span>
</p>
</td>
</tr>
<tr style="height:15.65pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">184</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">181</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de febrero de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">184</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">181</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de febrero de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">184</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">31 de agosto de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">181</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">184</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de agosto de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">182</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">184</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">181</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">184</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">181</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">184</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">181</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de febrero de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">184</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">31 de agosto de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">182</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">184</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">30 de agosto de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">181</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:25.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de agosto de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.56%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2034</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:25.76%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de febrero de 2034</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:22.74%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">184</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Si cualquier Periodo de Intereses termina en un día que no sea un Dia Hábil, dicho Periodo de Intereses se prorrogará al Dia Hábil inmediato siguiente (y no se devengarán intereses durante el periodo de dicha prórroga), en el entendido que, si el Dia Hábil inmediato siguiente es un Dia Hábil del mes calendario inmediato siguiente, dicho Periodo de Intereses terminará el Día Hábil inmediato anterior a la fecha en que los intereses deban ser pagados. Cualquier Periodo de Intereses que termine después de la Fecha de Vencimiento, terminará precisamente en la Fecha de Vencimiento.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 24-2 </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las Obligaciones Subordinadas serán amortizadas en su totalidad en </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Fecha de Vencimiento.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los intereses ordinarios que devenguen las Obligaciones Subordinadas, en cada periodo integrado por los días señalados en la siguiente tabla (cada uno, un "Periodo de Intereses"), se pagarán en el último día de cada Periodo de Intereses (cada uno, una "Fecha de Pago de Intereses"); en el entendido que, los Periodos de Intereses iniciarán en las fechas que se señalan en la columna denominada "Fecha de inicio del Periodo de Interés" de la siguiente tabla y terminarán en las fechas que se señalan en la columna denominada "Fecha de terminación del Periodo de Interés" de la siguiente tabla:</span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:464pt">
<thead>
<tr style="height:25.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#212121">Fecha </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#343434">de </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#212121">inicio </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#343434">del Periodo de Intereses</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#343434">Fecha de </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#212121">terminación </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#343434">del Periodo de </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#212121">Intereses</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold; letter-spacing:-0.1pt; color:#343434">Fecha de pago </span><span style="font-family:Arial; font-size:10pt; font-weight:bold; letter-spacing:-0.1pt; color:#212121">de intereses</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#343434">Número de días del Periodo de Intereses</span>
</p>
</td>
</tr>
</thead>
<tbody>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de diciembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de diciembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de diciembre de 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de marzo de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de marzo de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">89</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de marzo de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de diciembre de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de diciembre de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">94</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de diciembre de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de marzo de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de marzo de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">87</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de marzo de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de septiembre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de septiembre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">94</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de septiembre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de diciembre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de diciembre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de diciembre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">30 de marzo de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">30 de marzo de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">30 de marzo de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de junio de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de junio de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">90</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de junio de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de septiembre de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de septiembre de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de septiembre de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de diciembre de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de diciembre de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">93</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de diciembre de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de marzo de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de marzo de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">89</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de marzo de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de diciembre de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de diciembre de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de diciembre de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de marzo de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de marzo de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">89</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de marzo de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de diciembre de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de diciembre de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de diciembre de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de marzo de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de marzo de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">89</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de marzo de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de diciembre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de diciembre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de diciembre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de marzo de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de marzo de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">89</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de marzo de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de diciembre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de diciembre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">94</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de diciembre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">30 de marzo de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">30 de marzo de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">30 de marzo de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de junio de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de junio de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">90</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de junio de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de septiembre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de septiembre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de septiembre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de diciembre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de diciembre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">93</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">29 de diciembre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de marzo de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de marzo de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">89</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de marzo de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de junio de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de junio de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de junio de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de diciembre de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de diciembre de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">93</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28 de diciembre de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de marzo de 2034</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de marzo de 2034</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">89</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">27 de marzo de 2034</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2034</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2034</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">91</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:119pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de junio de 2034</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:131pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2034</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:121pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">26 de septiembre de 2034</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:64.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">92</span>
</p>
</td>
</tr>
</tbody>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<br style="page-break-before:always; clear:both" /><span style="font-family:Arial; font-size:11pt">Si cualquier Periodo de Intereses terminara en un día que no sea un Día Hábil, dicho Periodo de Intereses terminará el Dia Hábil inmediato siguiente, salvo que el Día Hábil inmediato siguiente caiga en el mes calendario siguiente, en cuyo caso el Periodo de Intereses terminará el Día Hábil inmediato anterior. Cualquier Periodo de Intereses que termine después de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Fecha de Vencimiento, terminará precisamente en </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Fecha de Vencimiento.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 25</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las Obligaciones Subordinadas serán amortizadas en su totalidad en la Fecha de Vencimiento.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los intereses ordinarios que devenguen las Obligaciones Subordinadas, en cada periodo integrado por los días señalados en la siguiente tabla (cada uno, un “Periodo de Intereses”), se pagarán en el último día de cada Periodo de Intereses (cada uno, una “Fecha de Pago de Intereses”); en el entendido que, los Periodos de Intereses iniciarán en las fechas que se señalan en la columna denominada “Fecha de inicio del Periodo de Interés” de la siguiente tabla y terminarán en las fechas que se señalan en la columna denominada “Fecha de terminación del Periodo de Interés” de la siguiente tabla:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:1.29pt; width:440.2pt">
<tr style="height:69.85pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:23.7pt 0pt 22.9pt; text-align:center; line-height:11.6pt">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Fecha de inicio del </span><br /><span style="font-family:Arial; font-size:10pt; font-weight:bold">Periodo de Interés</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:23.7pt 0pt 22.9pt 7.2pt; text-indent:-14.4pt; line-height:11.6pt; padding-left:14.4pt">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Fecha de terminación del Periodo de Interés</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:23.7pt 0pt 22.9pt; text-align:center; line-height:11.6pt">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Fecha de Pago de </span><br /><span style="font-family:Arial; font-size:10pt; font-weight:bold">Intereses</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:56.4pt">
<p style="margin:0pt; text-align:center; line-height:11.6pt">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Número </span><br /><span style="font-family:Arial; font-size:10pt; font-weight:bold">de días</span>
</p>
<p style="margin:0pt; text-align:center; line-height:11.3pt">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">del</span>
</p>
<p style="margin:0.15pt 0pt 0pt; text-align:center; line-height:11.6pt">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Periodo</span>
</p>
<p style="margin:0pt; text-align:center; line-height:11.25pt">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">de</span>
</p>
<p style="margin:0pt 0pt 0.1pt; text-align:center; line-height:11.55pt">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Intereses</span>
</p>
</td>
</tr>
<tr style="height:14.85pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.35pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.35pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.35pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.35pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">182</span>
</p>
</td>
</tr>
<tr style="height:15.15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">183</span>
</p>
</td>
</tr>
<tr style="height:14.85pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2026</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">182</span>
</p>
</td>
</tr>
<tr style="height:15.15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.85pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.85pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.85pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">29 de octubre de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.85pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">183</span>
</p>
</td>
</tr>
<tr style="height:14.85pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.15pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2027</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.15pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.15pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">28 de abril de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.15pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">183</span>
</p>
</td>
</tr>
<tr style="height:15.15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 2.05pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 2.05pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 2.05pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 2.05pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">183</span>
</p>
</td>
</tr>
<tr style="height:14.85pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.35pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.35pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.35pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.35pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">182</span>
</p>
</td>
</tr>
<tr style="height:15.15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">183</span>
</p>
</td>
</tr>
<tr style="height:14.85pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2029</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.6pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">182</span>
</p>
</td>
</tr>
<tr style="height:15.4pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.85pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.85pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.85pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2030</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.85pt; text-align:center; line-height:12.3pt">
<span style="font-family:Arial; font-size:11pt">183</span>
</p>
</td>
</tr>
<tr style="height:15.1pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 2.05pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2030</span><span style="font-family:Arial; font-size:6.5pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.65pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.65pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.65pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">182</span>
</p>
</td>
</tr>
<tr style="height:14.9pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.9pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.9pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.9pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.9pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">183</span>
</p>
</td>
</tr>
<tr style="height:15.1pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.9pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2031</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.9pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.9pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.9pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">183</span>
</p>
</td>
</tr>
<tr style="height:14.9pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.45pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.45pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.45pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">29 de octubre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.45pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">183</span>
</p>
</td>
</tr>
<tr style="height:15.1pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.4pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2032</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.4pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.4pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">29 de abril de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.4pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">182</span>
</p>
</td>
</tr>
<tr style="height:14.9pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.65pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.65pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.65pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">31 de octubre de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.65pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">183</span>
</p>
</td>
</tr>
<tr style="height:15.1pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.65pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2033</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.65pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2034</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.65pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">28 de abril de 2034</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.65pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">182</span>
</p>
</td>
</tr>
<tr style="height:14.9pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 1.9pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2034</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.9pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2034</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.9pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2034</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.9pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">183</span>
</p>
</td>
</tr>
<tr style="height:15.1pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 2.3pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2034</span><span style="font-family:Arial; font-size:6.5pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 1.9pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2035</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 1.9pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2035</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 1.9pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">182</span>
</p>
</td>
</tr>
<tr style="height:15.35pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.2pt">
<p style="margin:0pt 0pt 2.15pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de abril de 2035</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.95pt">
<p style="margin:0pt 0pt 2.15pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2035</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:126.9pt">
<p style="margin:0pt 0pt 2.15pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">30 de octubre de 2035</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.4pt">
<p style="margin:0pt 0pt 2.15pt; text-align:center; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">183</span>
</p>
</td>
</tr>
</table>
<p style="margin:16.75pt 0pt 0pt; text-align:justify; line-height:12.65pt">
<span style="font-family:Arial; font-size:11pt">Si cualquier Fecha de Pago de Intereses o fecha de pago cae en un día que no sea un Día Hábil, el pago de la cantidad adeudada y pagadera será realizada el Día Hábil siguiente, a menos que éste caiga en el mes calendario siguiente, en cuyo caso el Periodo de Intereses terminará el Día Hábil inmediato anterior. No se pagarán intereses adicionales o ninguna otra cantidad como consecuencia de la presente condición.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Lugar y forma de pago de intereses y principal</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para todas las Obligaciones Subordinadas se contempla que el Emisor llevará a cabo el pago de los intereses y principal a su vencimiento o de forma anticipada conforme a lo señalado en el Acta de Emisión.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Subordinación de los títulos </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para todas las Obligaciones Subordinadas, en caso de liquidación o liquidación judicial del Emisor, el pago de las obligaciones subordinadas se hará a prorrata, sin distinción de fechas de emisión, después de cubrir todas las deudas del Emisor que no sean subordinadas, pero antes de cubrir aquellas obligaciones subordinadas no preferentes y antes de repartir a los titulares de las acciones el haber social. Lo anterior, en términos del art 64 de la LIC y la fracción II del art 28 de la Circular 3/2012.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Amortización</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La amortización de las Obligaciones Subordinadas puestas en circulación, a través de una o más Colocaciones, se efectuará a su valor nominal, en la fecha de vencimiento, contra la entrega del título correspondiente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Amortización anticipada</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 18-1</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente, previa autorización del Banco de México en términos del cuarto párrafo del artículo 64 de la LIC y del Anexo 1-S de la Circular Única de Bancos, en cualquier Fecha de Pago de Intereses a partir del quinto aniversario contado a partir de la Fecha de Emisión la totalidad de las Obligaciones Subordinadas puestas en circulación a través de una o más Colocaciones, a un precio igual a su Valor Nominal más los intereses devengados a la fecha de la amortización anticipada, siempre y cuando (a) el Emisor demuestre que una vez realizado el pago contará con (i) un Índice de Capitalización igual o superior a 8% (ocho por ciento) más el Suplemento de Conservación de Capital (SCC), en los términos de la fracción III del Artículo 2 Bis 5; (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) Un Coeficiente de Capital Básico de 6% (seis por ciento) más el SCC, en los términos de la fracción III del Artículo 2 Bis 5; y (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) Un Coeficiente de Capital Fundamental de 4.5% (cuatro punto cinco por ciento) más el SCC, en los términos de la fracción III del Artículo 2 Bis 5, o (b) reemplace las Obligaciones Subordinadas puestas en circulación, a través de una o más Colocaciones, con nuevos instrumentos de capital que cumplan con los términos y condiciones previstas en este Título, sin que dicho reemplazo cause un perjuicio a la situación financiera del Emisor.</span>
</p>
<p style="margin:0pt; text-align:justify">
<br style="page-break-before:always; clear:both" />
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 22-1</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente, previa autorización del Banco de México en términos del sexto párrafo del artículo 64 de la LIC y del Anexo 1-S de la Circular Única de Bancos, en cualquier Fecha de Pago de Intereses a partir del quinto aniversario contado a partir de la Fecha de Emisión, la totalidad de las Obligaciones Subordinadas a un precio igual a su Valor Nominal más los intereses devengados a la fecha de la amortización anticipada, siempre y cuando (a) el Emisor demuestre que una vez realizado el pago contará con un Índice de Capitalización igual o superior a 8% ( ocho por ciento) más el Suplemento de Conservación de Capital ("SCC''), en los términos de la fracción III del artículo 2 Bis 5; un Coeficiente de Capital Básico de 6% (seis por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente la totalidad (y en ningún caso, una parte) de las Obligaciones Subordinadas puestas en circulación, en cualquier momento y previa autorización del Banco de México, en caso de llevarse a cabo modificaciones al tratamiento de capital de las Obligaciones Subordinadas o la deducibilidad de los intereses pagaderos respecto de dichas Obligaciones Subordinadas siempre y cuando el Emisor demuestre que una vez realizado el pago contará con un Índice de Capitalización igual o superior a 8% (ocho por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos; un Coeficiente de Capital Básico de 6% (seis por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos; y un Coeficiente de Capital Fundamental de 4.5% (cuatro punto cinco por ciento) más el SCC, en los términos de la fracción 111 del artículo 2 Bis 5 de la Circular Única de Bancos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 23-1</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente, previa autorización del Banco de México en términos del sexto párrafo del artículo 64 de la LIC y del Anexo 1-S de la Circular Única de Bancos, precisamente en la fecha que ocurra en (1) el quinto aniversario contado a partir de la Fecha de Emisión (es decir, el 6 de diciembre de 2028); y (2) el noveno aniversario contado a partir de la Fecha de Emisión (es decir, el 6 de diciembre de 2032), la totalidad de las Obligaciones Subordinadas puestas en circulación, a un precio igual a su Valor Nominal más los intereses devengados a la fecha de la amortización anticipada, siempre y cuando (a) el Emisor demuestre que una vez realizado el pago contará con (1) un índice de Capitalización igual o superior a 8% (ocho por ciento) más el Suplemento de Conservación de Capital, en los términos de la fracción III del artículo 2 Bis 5; (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Básico de 6% (seis por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5; y (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Fundamental de 4.5% (cuatro punto cinco por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5, o (b) reemplace las Obligaciones Subordinadas puestas en circulación con nuevos instrumentos de capital que cumplan con los términos y condiciones previstas en esta Acta de Emisión o en el Anexo 1-S de la Circular Única de Bancos, sin que dicho reemplazo cause un perjuicio a la situación financiera del Emisor.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente la totalidad (y en ningún caso, una parte) de las Obligaciones Subordinadas puestas en circulación en cualquier momento y previa autorización del Banco de México, en caso de llevarse a cabo ciertas modificaciones o cambios a las normas fiscales aplicables, que resulten en un incremento en el monto que el Emisor deba retener respecto de los intereses pagaderos en relación con las Obligaciones Subordinadas puestas en Circulación, siempre y cuando el Emisor demuestre que una vez realizado el pago contará con (i) un índice de Capitalización igual o superior a 8% (ocho por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos; (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Básico de 6% (seis por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos; y (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Fundamental de 4.5% (cuatro punto cinco por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente la totalidad (y en ningún caso, una parte) de las Obligaciones Subordinadas, en cualquier momento y previa autorización del Banco de México, en caso de llevarse a cabo modificaciones al tratamiento de capital de las Obligaciones Subordinadas puestas en circulación o la deducibilidad de los intereses pagaderos respecto de dichas Obligaciones Subordinadas siempre y cuando el Emisor demuestre que una vez realizado el pago contará con (i) un índice de Capitalización igual o superior a 8% (ocho por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos; (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Básico de 6% (seis por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos; y (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Fundamental de 4.5% (cuatro punto cinco por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para realizar la amortización anticipada, el Emisor no puede haber otorgado, reconocido o generado previamente una expectativa de derecho de pago anticipado, o bien, ofrecido su posible ejercicio.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor deberá informar por escrito al Obligacionista y al Indeval su decisión de ejercer el derecho de amortización anticipada señalado en los tres párrafos anteriores, cuando menos con 10 (diez) Días Hábiles de anticipación a la fecha en que el Emisor tenga la intención de amortizar anticipadamente la totalidad de las Obligaciones Subordinadas puestas en circulación. Una vez ejercido el derecho de amortización, el Emisor, previa notificación por escrito al Indeval acompañado con la evidencia de pago de las Obligaciones Subordinadas, podrá retirar el Título de dicha institución de depósito,</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Conforme a lo señalado en el Anexo 1-S de la Circular Única de Bancos, el Obligacionista no tendrá derecho para exigir pagos de intereses y de principal respecto de las Obligaciones Subordinadas de forma anticipada.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 24-1</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente, previa autorización del Banco de México en términos del sexto párrafo del artículo 64 de la LIC y del Anexo 1-S de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Circular Única de Bancos, precisamente en la fecha que ocurra en (1) el quinto aniversario contado a partir de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Fecha de Emisión (es decir, el 28 de febrero de 2029); </span><span style="font-family:Arial; font-size:11pt">y (2) el noveno aniversario contado a partir de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Fecha de Emisión (es decir, el 28 de febrero de 2033), la totalidad de las Obligaciones Subordinadas puestas en circulación, a un precio igual a su Valor Nominal más los intereses devengados a la fecha de la amortización anticipada, siempre y cuando (a) el Emisor demuestre que una vez realizado el pago contará con (i) un Índice de Capitalización igual o superior a 8% (ocho por ciento) más el Suplemento de Conservación de Capital, en los términos de la fracción III del artículo 2 Bis 5; (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Básico de 6% (seis por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5; y (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Fundamental de 4.5% (cuatro punto cinco por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5, o (b) reemplace las Obligaciones Subordinadas puestas en circulación con nuevos instrumentos de capital que cumplan con los términos y condiciones previstas en esta Acta de Emisión o en </span><span style="font-family:Arial; font-size:11pt">eI</span><span style="font-family:Arial; font-size:11pt"> Anexo 1-S de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Circular Única de Bancos, sin que dicho reemplazo cause un perjuicio a la situación financiera del Emisor.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente la totalidad (y en ningún caso, una parte) de las Obligaciones Subordinadas puestas en circulación en cualquier momento y previa autorización del Banco de México, en caso de llevarse a cabo ciertas modificaciones o cambios a las normas fiscales aplicables, que resulten en un incremento en el monto que el Emisor deba retener respecto de los intereses pagaderos en relación con las Obligaciones Subordinadas siempre y cuando el Emisor demuestre que una vez realizado el pago contará con (i) un Índice de Capitalización igual o superior a 8% (ocho por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Circular Única de Bancos; (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Básico de 6% (seis por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos; y (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Fundamental de 4.5% (cuatro punto cinco por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente la totalidad (y en ningún caso, una parte) de las Obligaciones Subordinadas, en cualquier momento y previa autorización del Banco de México, en caso de llevarse a cabo modificaciones al tratamiento de capital de las Obligaciones Subordinadas o la deducibilidad de los intereses pagaderos respecto de dichas Obligaciones Subordinadas siempre y cuando el Emisor demuestre que una vez realizado el pago contará con (i) un Índice de Capitalización igual o superior a 8% (ocho por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Circular Única de Bancos; (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Básico de 6% (seis por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos; y (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Fundamental de 4.5% (cuatro punto cinco por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para realizar la amortización anticipada, el Emisor no puede haber otorgado, reconocido o generado previamente una expectativa de derecho de pago anticipado, o bien, ofrecido su posible ejercicio.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor deberá informar por escrito al Obligacionista y al Indeval su decisión de ejercer el derecho de amortización anticipada señalado en los tres párrafos anteriores, cuando menos con 10 (diez) Días Hábiles de anticipación a la fecha en que el Emisor tenga la intención de amortizar anticipadamente la totalidad de las Obligaciones Subordinadas. Una vez ejercido el derecho de amortización, el Emisor, previa </span><span style="font-family:Arial; font-size:11pt">notificación por escrito al Indeval acompañado con la evidencia de pago de las Obligaciones Subordinadas, podrá retirar el Titulo de dicha institución de depósito.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Conforme a lo señalado en el Anexo 1-S de la Circular Única de Bancos, el Obligacionista no tendrá derecho para exigir pagos de intereses y de principal respecto de las Obligaciones Subordinadas de forma anticipada.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<br style="page-break-before:always; clear:both" /><span style="font-family:Arial; font-size:11pt">HSBC 24-2</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente, previa autorización del Banco de México en términos del sexto párrafo del artículo 64 de la LIC y del Anexo 1-S de la Circular Única de Bancos, precisamente en la fecha que ocurra en cualquier Fecha de Pago de Intereses a partir del quinto aniversario de la Emisión contado a partir de la Fecha de Emisión (es decir, el 26 de septiembre de 2029), la totalidad de las Obligaciones Subordinadas puestas en circulación, a un precio igual a su Valor Nominal más los intereses devengados a la fecha de la amortización anticipada, siempre y cuando (a) el Emisor demuestre que una vez realizado el pago contara con (i) un Índice de Capitalización igual o superior a 8% (ocho por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos; (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Básico de 6% (seis por ciento) más el SCC, en los términos de la fracción </span><span style="font-family:Arial; font-size:11pt">Ill</span><span style="font-family:Arial; font-size:11pt"> del artículo 2 Bis 5 de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Circular Única de Bancos; y (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Fundamental de 4.5% (cuatro punto cinco por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Circular Única de Bancos; o (b) reemplace las Obligaciones Subordinadas puestas en circulación con nuevos instrumentos de capital que cumplan con los términos y condiciones previstos en el Acta de Emisión o en el Anexo 1-S de la Circular Única de Bancos, sin que dicho reemplazo cause un perjuicio a la situación financiera del Emisor.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente la totalidad (y en ningún caso, una parte) de las Obligaciones Subordinadas puestas en circulación en cualquier momento y previa autorización del Banco de México, en caso de llevarse a cabo ciertas modificaciones o cambios a las normas fiscales aplicables, que, resulten en un incremento en el monto que el Emisor deba retener respecto de los intereses pagaderos en relación con las Obligaciones Subordinadas puestas en circulación, siempre y cuando, el Emisor demuestre que, una vez realizado el pago contará con (1) un Índice de Capitalización igual o superior a 8% (ocho por ciento) más el SCC, en los términos de la fracción </span><span style="font-family:Arial; font-size:11pt">llI</span><span style="font-family:Arial; font-size:11pt"> del artículo 2 Bis 5 de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Circular Única de Bancos; (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Básico de 6% (seis por ciento) más el SCC, en los términos de la fracción </span><span style="font-family:Arial; font-size:11pt">Ill</span><span style="font-family:Arial; font-size:11pt"> del artículo 2 Bis 5 de la Circular Única de Bancos; y (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Fundamental de 4.5% (cuatro punto cinco por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Circular Única de Bancos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente la totalidad (y en ningún caso, una parte) de las Obligaciones Subordinadas, en cualquier momento y previa autorización del Banco de México, en caso de llevarse a cabo modificaciones al tratamiento de capital de las Obligaciones Subordinadas puestas en circulación o la deducibilidad de los intereses pagaderos respecto de dichas Obligaciones Subordinadas, siempre y cuando, el Emisor demuestre que, una vez realizado el pago contará con (i) un Índice de Capitalización igual o superior a 8% (ocho por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos; (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Básico de 6% (seis por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Circular Única de Bancos; y (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Fundamental de 4.5% (cuatro punto cinco por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor deberá informar por escrito al Obligacionista y al Indeval su decisión de ejercer el derecho de amortización anticipada señalado en los tres párrafos anteriores, </span><span style="font-family:Arial; font-size:11pt">cuando menos con 10 (diez) Días Hábiles de anticipación a la fecha en que el Emisor tenga la intención de amortizar anticipadamente la totalidad de las Obligaciones Subordinadas puestas en circulación. Una vez ejercido el derecho de amortización, el Emisor, previa notificación por escrito al Indeval acompañada de la evidencia de pago de las Obligaciones Subordinadas, podrá retirar el Titulo depositado en dicha institución de depósito.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para realizar la amortización anticipada, el Emisor no puede haber otorgado, reconocido o generado previamente una expectativa de derecho de pago anticipado, o bien, ofrecido su posible ejercicio. Conforme a lo señalado en el Anexo 1-S de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Circular Única de Bancos, el Obligacionista no tendrá derecho para exigir pagos de intereses y de</span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:11pt">principal respecto de las Obligaciones Subordinadas de forma anticipada.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La amortización total anticipada que se </span><span style="font-family:Arial; font-size:11pt">Ileve</span><span style="font-family:Arial; font-size:11pt"> a cabo deberá asimismo incluir los intereses devengados y no pagados a la fecha de amortización anticipada.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La amortización anticipada de las Obligaciones Subordinadas en los términos aquí previstos no estará sujeta al pago de una prima por amortización anticipada por parte del Emisor.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 25</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente, previa autorización del Banco de México en términos del sexto párrafo del artículo 64 de la LIC y del Anexo 1-S de la Circular Única de Bancos, en la fecha que ocurra en (1) el quinto aniversario contado a partir de la Fecha de Emisión, (es decir el 30 de octubre de 2030); y (2) el noveno aniversario contado a partir de la Fecha de Emisión (es decir, el 30 de octubre de 2034), la totalidad de las Obligaciones Subordinadas puestas en circulación, a un precio igual a su Valor Nominal más los intereses devengados a la fecha de la amortización anticipada, siempre y cuando (a) el Emisor demuestre que una vez realizado el pago contará con (i) un Índice de Capitalización igual o superior a 8% (ocho por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos; (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Básico de 6% (seis por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos; y (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Fundamental de 4.5% (cuatro punto cinco por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos; o (b) reemplace las Obligaciones Subordinadas puestas en circulación con nuevos instrumentos de capital que cumplan con los términos y condiciones previstos en el Acta de Emisión o en el Anexo 1-S de la Circular Única de Bancos, sin que dicho reemplazo cause un perjuicio a la situación financiera del Emisor.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente la totalidad (y en ningún caso, una parte) de las Obligaciones Subordinadas puestas en circulación en cualquier momento y previa autorización del Banco de México, en caso de llevarse a cabo ciertas modificaciones o cambios a las normas fiscales aplicables, que, resulten en un incremento en el monto que el Emisor deba retener respecto de los intereses pagaderos en relación con las Obligaciones Subordinadas puestas en circulación, siempre y cuando, el Emisor demuestre que, una vez realizado el pago contará con (1) un Índice de Capitalización igual o superior a 8% (ocho por ciento) más el SCC, en los términos de la fracción </span><span style="font-family:Arial; font-size:11pt">llI</span><span style="font-family:Arial; font-size:11pt"> del artículo 2 Bis 5 de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Circular Única de Bancos; (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Básico de 6% (seis por ciento) más el SCC, en los términos de la fracción </span><span style="font-family:Arial; font-size:11pt">Ill</span><span style="font-family:Arial; font-size:11pt"> del artículo 2 Bis 5 de la Circular Única de Bancos; y (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital </span><span style="font-family:Arial; font-size:11pt">Fundamental de 4.5% (cuatro punto cinco por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Circular Única de Bancos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor tendrá el derecho de amortizar anticipadamente la totalidad (y en ningún caso, una parte) de las Obligaciones Subordinadas, en cualquier momento y previa autorización del Banco de México, en caso de llevarse a cabo modificaciones al tratamiento de capital de las Obligaciones Subordinadas puestas en circulación o la deducibilidad de los intereses pagaderos respecto de dichas Obligaciones Subordinadas, siempre y cuando, el Emisor demuestre que, una vez realizado el pago contará con (i) un Índice de Capitalización igual o superior a 8% (ocho por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos; (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Básico de 6% (seis por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Circular Única de Bancos; y (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) un Coeficiente de Capital Fundamental de 4.5% (cuatro punto cinco por ciento) más el SCC, en los términos de la fracción III del artículo 2 Bis 5 de la Circular Única de Bancos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Emisor deberá informar por escrito al Obligacionista y al Indeval su decisión de ejercer el derecho de amortización anticipada señalado en los tres párrafos anteriores, cuando menos con 10 (diez) Días Hábiles de anticipación a la fecha en que el Emisor tenga la intención de amortizar anticipadamente la totalidad de las Obligaciones Subordinadas puestas en circulación. Una vez ejercido el derecho de amortización, el Emisor, previa notificación por escrito al Indeval acompañada de la evidencia de pago de las Obligaciones Subordinadas, podrá retirar el Titulo depositado en dicha institución de depósito.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para realizar la amortización anticipada, el Emisor no puede haber otorgado, reconocido o generado previamente una expectativa de derecho de pago anticipado, o bien, ofrecido su posible ejercicio. Conforme a lo señalado en el Anexo 1-S de </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Circular Única de Bancos, el Obligacionista no tendrá derecho para exigir pagos de intereses y de</span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:11pt">principal respecto de las Obligaciones Subordinadas de forma anticipada.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La amortización total anticipada que se </span><span style="font-family:Arial; font-size:11pt">Ileve</span><span style="font-family:Arial; font-size:11pt"> a cabo deberá asimismo incluir los intereses devengados y no pagados a la fecha de amortización anticipada.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La amortización anticipada de las Obligaciones Subordinadas en los términos aquí previstos no estará sujeta al pago de una prima por amortización anticipada por parte del Emisor.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Garantía</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las Obligaciones Subordinadas serán quirografarias y no contarán con garantía específica, ni contarán con la garantía del Instituto para la Protección al Ahorro Bancario ni se encontrarán respaldadas por cualquier otra entidad gubernamental mexicana, ni tampoco estarán garantizadas por las personas a las que se refiere el artículo 73 de la LIC.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Representante común</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para las Obligaciones Subordinadas Preferentes, no existe al ser un único obligacionista</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Depositario</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">S.D. Indeval Institución para el Depósito de Valores, S.A. de C.V.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Régimen Fiscal</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC-18, HSBC-23, HSBC-24 y HSBC-25</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El régimen fiscal vigente podrá ser modificado a lo largo de la vigencia de cada emisión. Los inversionistas deberán consultar en forma independiente y periódica a sus asesores fiscales respecto a las disposiciones legales aplicables a la adquisición, propiedad y disposición de instrumentos de deuda como los certificados bursátiles bancarios antes de realizar cualquier inversión en los mismos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La tasa de retención aplicable respecto a los intereses pagados se encuentra sujeta a (i) para personas físicas residentes en México para efectos fiscales a lo previsto en los artículos 133 y 135 de la Ley de Impuesto Sobre la Renta Vigente y 21 de la Ley de Ingresos de la Federación para el ejercicio fiscal 2025 y en otras disposiciones complementarias, (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) para personas morales residentes en México para efectos fiscales a lo previsto en el artículo 54 de la Ley de Impuesto Sobre la Renta Vigente y 21 de la Ley de Ingresos de la Federación para el ejercicio fiscal 2025 y en otras disposiciones complementarias y (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) para personas físicas y morales residentes en el extranjero para efectos fiscales a lo previsto en los artículos 153 y 166 de la Ley del Impuesto Sobre la Renta y en otras disposiciones complementarias y dependerá del beneficio efectivo de los intereses. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 22-1</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La tasa de retención aplicable respecto a los intereses pagados respecto de las Obligaciones Subordinadas se encuentra sujeto a lo previsto en el artículo 166 y demás aplicables de la Ley del Impuesto sobre la Renta.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El régimen fiscal vigente podrá modificarse durante la vigencia de la presente Acta de Emisión. El Emisor no asume obligación alguna de informar acerca de cualesquier cambios en las disposiciones fiscales aplicables durante la vigencia de la presente Acta de Emisión. El Obligacionista deberá consultar con sus asesores fiscales, las consecuencias fiscales resultantes de la compra, el mantenimiento o la venta de las Obligaciones Subordinadas, incluyendo la aplicación de reglas específicas respecto de su situación particular.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Fiduciario:</span><span style="font-family:Arial; font-size:11pt; font-weight:normal"> N.A.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
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<span style="font-family:Arial; font-size:11pt">La Emisora no tiene establecidas ni ha adoptado políticas para la toma de decisiones, durante la vigencia de dichas emisiones, relativas a: i) cambios de control; </span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) reestructuras corporativas, incluyendo adquisiciones, fusiones y escisiones; y/o, </span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) la </span><span style="font-family:Arial; font-size:11pt">venta o constitución de gravámenes sobre activos esenciales. En caso de actualizarse alguno de estos supuestos, los procedimientos que seguirá el Banco HSBC, serán los estipulados en las leyes y disposiciones aplicables para tal efecto.</span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:Arial; font-size:11pt">La Emisora no tiene establecidas ni ha adoptado políticas para la toma de decisiones, durante la vigencia de dichas emisiones, relativas a: i) cambios de control; </span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) reestructuras corporativas, incluyendo adquisiciones, fusiones y escisiones; y/o, </span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) la venta o constitución de gravámenes sobre activos esenciales. En caso de actualizarse alguno de estos supuestos, los procedimientos que seguirá el Banco HSBC, serán los estipulados en las leyes y disposiciones aplicables para tal efecto.</span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">ALCO</span>
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<span style="font-family:Arial; font-size:11pt">El comité de activos y pasivos de HSBC a nivel internacional (</span><span style="font-family:Arial; font-size:11pt; font-style:italic">Assets</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> and </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Liabilities</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Committee</span><span style="font-family:Arial; font-size:11pt"> por sus siglas en inglés).</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">ABM</span>
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<span style="font-family:Arial; font-size:11pt">Asociación de Bancos de México, A.C.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">Atlántico</span><span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Banco del Atlántico, S.A con estatus de liquidada.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">ASG</span>
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<span style="font-family:Arial; font-size:11pt">Ambiente, Social y Gobernanza.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">Auditor Externo</span>
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<span style="font-family:Arial; font-size:11pt">PricewaterhouseCoopers S.C. a partir del 1 de enero de 2015</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">Banxico</span>
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<span style="font-family:Arial; font-size:11pt">Banco de México.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">Bital</span><span style="font-family:Arial; font-size:11pt; font-weight:bold"> o Banco Internacional</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Banco Internacional, S.A., Institución de Banca Múltiple, Grupo Financiero </span><span style="font-family:Arial; font-size:11pt">Bital</span><span style="font-family:Arial; font-size:11pt">.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">BIVA</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; background-color:#ffffff">Bolsa Institucional de Valores, S.A. de C.V.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">BMV</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Bolsa Mexicana de Valores, S.A.B. de C.V.</span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Boletín Estadístico de la CNBV</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Boletín Estadístico de Banca Múltiple emitido por la CNBV</span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Bolsas</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">BIVA y BMV</span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Certificados Bursátiles o Certificados Bursátiles Bancarios</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Títulos de crédito emitidos al amparo del Programa descrito en el presente reporte de conformidad con las disposiciones aplicables de la LMV, de la Circular Única de Emisoras y la Circular 3/2012</span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CCL</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Coeficiente de Cobertura de Liquidez</span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CEO</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Director General del Banco (Chief Executive Officer).</span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CFO</span>
</p>
</td>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Director de Finanzas del Banco (</span><span style="font-family:Arial; font-size:11pt">Chief</span><span style="font-family:Arial; font-size:11pt"> Finance </span><span style="font-family:Arial; font-size:11pt">Officer</span><span style="font-family:Arial; font-size:11pt">).</span>
</p>
</td>
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<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CETES</span>
</p>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Certificados de la Tesorería de la Federación.</span>
</p>
</td>
</tr>
<tr style="height:56.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CFEN</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Coeficiente de Fondeo Estable Neto</span>
</p>
</td>
</tr>
<tr style="height:56.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CMB</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Línea de negocio relacionada con servicios de banca empresarial de HSBC México (</span><span style="font-family:Arial; font-size:11pt; font-style:italic">Commercial</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Banking</span><span style="font-family:Arial; font-size:11pt">).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
<tr style="height:56.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CRO</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Directos de Ingresos del Banco (</span><span style="font-family:Arial; font-size:11pt">Chief</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Revenue</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Officer</span><span style="font-family:Arial; font-size:11pt">).</span>
</p>
</td>
</tr>
<tr style="height:56.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Circular Única de Emisoras (CUE)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Disposiciones de carácter general aplicables a las emisoras de valores y a otros participantes del mercado de valores, publicadas en el DOF el 19 de marzo de 2003 cuya última actualización data del 02 de diciembre de 2025.</span>
</p>
</td>
</tr>
<tr style="height:70.85pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Circular Única de Bancos (CUB)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Disposiciones de carácter general aplicables a las instituciones de crédito, publicadas en el DOF el 2 de diciembre de 2005 y sus correspondientes modificaciones hasta el 04 de</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">diciembre de 2025, fecha en que se emitió la última actualización de la misma.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CIB</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Línea de negocio relacionada con servicios de banca empresarial de HSBC México (</span><span style="font-family:Arial; font-size:11pt; font-style:italic">Corporate</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> and </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Institutional</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Banking</span><span style="font-family:Arial; font-size:11pt">).</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CINIF</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Consejo Mexicano de Normas de Información Financiera.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CNBV</span><span style="width:4.83pt; text-indent:0pt; display:inline-block"></span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Comisión Nacional Bancaria y de Valores.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CONDUSEF</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CONSAR</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Comisión Nacional del Sistema de Ahorro para el Retiro.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Consejo</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Consejo de Administración de HSBC México.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CCE</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Criterios Contables Especiales.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">DIV</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El sistema de Divulgación de Información de Valores.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">DGA</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Director General Adjunto.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">DOF</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Diario Oficial de la Federación.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Emisión</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cada emisión de Certificados Bursátiles Bancarios y Obligaciones Subordinadas al amparo de sus respectivos Programas.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">EPE</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Entidades con propósitos específicos</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Estados Financieros Auditados</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Estados financieros consolidados auditados por el Auditor Externo al 31 de diciembre de 2025, 2024 y 2023. </span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Estados Unidos</span>
</p>
</td>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Estados Unidos de Norteamérica.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">FX</span>
</p>
</td>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Foreign</span><span style="font-family:Arial; font-size:11pt"> Exchange (Divisas)</span>
</p>
</td>
</tr>
<tr style="height:36.85pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">GFBITAL o Grupo Financiero </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">Bital</span>
</p>
</td>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Grupo Financiero </span><span style="font-family:Arial; font-size:11pt">Bital</span><span style="font-family:Arial; font-size:11pt">, S.A. de C.V.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">GPB</span>
</p>
</td>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Línea de negocio relacionada con productos y servicios de banca privada de HSBC México (Global </span><span style="font-family:Arial; font-size:11pt">Private</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt">)</span>
</p>
</td>
</tr>
<tr style="height:36.85pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Grupo Financiero HSBC</span>
</p>
</td>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Grupo Financiero HSBC, S.A. de C.V.</span>
</p>
</td>
</tr>
<tr style="height:36.85pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Grupo Financiero Prime</span>
</p>
</td>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Grupo Financiero Prime Internacional, S.A. de C.V.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">HLAH</span>
</p>
</td>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC Latin America Holdings (UK) Limited</span>
</p>
</td>
</tr>
<tr style="height:36.85pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">HSBC Holdings </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">o</span><span style="font-family:Arial; font-size:11pt; font-weight:bold"> Grupo HSBC</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC Holdings, </span><span style="font-family:Arial; font-size:11pt">plc</span><span style="font-family:Arial; font-size:11pt">.</span>
</p>
</td>
</tr>
<tr style="height:36.85pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">HSBC México, HSBC, Banco, o la emisora</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">IFCPI</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Instrumentos Financieros para Cobrar Principal e Interés.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">IFD</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Instrumentos Financieros Derivados</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Indeval</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">S.D. Indeval Institución para el Depósito de Valores, S.A. de C.V.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">INE</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Instituto Nacional Electoral.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">INEGI</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Instituto Nacional de Estadística y Geografía.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">IPAB</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Instituto para la Protección al Ahorro Bancario.</span>
</p>
</td>
</tr>
<tr style="height:50.2pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt; text-indent:-35.4pt; padding-left:35.4pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">IWPB</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Línea de negocios relacionada con productos y servicios de banca de consumo y patrimonial de HSBC México (IWPB-International </span><span style="font-family:Arial; font-size:11pt">Wealth</span><span style="font-family:Arial; font-size:11pt"> and Premier </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt"> también conocida como International </span><span style="font-family:Arial; font-size:11pt">Wealth</span><span style="font-family:Arial; font-size:11pt"> and Personal </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt">).</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">KYC</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Conoce a tu cliente (</span><span style="font-family:Arial; font-size:11pt">Know</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">your</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Customer</span><span style="font-family:Arial; font-size:11pt">)</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">LIBOR</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">London </span><span style="font-family:Arial; font-size:11pt">InterBank</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Offered</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Rate</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">LIC</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Ley de Instituciones de Crédito.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">LMV</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Ley de Mercado de Valores</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">MXN</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Millones de Pesos Mexicanos.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">MSS</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Servicio de Mercados y Valores</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">NIF</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Normas de Información Financiera mexicanas.</span>
</p>
</td>
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<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">NIC</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Normas Internacionales de Contabilidad.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Obligaciones Subordinadas</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Significa las obligaciones subordinadas, preferentes o no preferentes (según corresponda) y no susceptibles de convertirse en acciones, que emita el Emisor al amparo de sus respectivos Programas descrito en el presente reporte y a los términos de lo dispuesto por el Artículo 64 de la LIC, el apartado E de la Circular 3/2012 y el Anexo 1-R y 1-S de la CUB.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">OTH</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Corporate</span><span style="font-family:Arial; font-size:11pt"> Center (OTH) - Incluye los servicios de soluciones tecnológicas prestados a otras entidades</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Programa de </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">CBs</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El programa de certificados bursátiles bancarios autorizado a HSBC México por la CNBV mediante oficio número 153/11584/2019 de fecha 26 de marzo de 2019.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Programa de obligaciones subordinadas</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El programa de obligaciones subordinadas autorizado a HSBC México por la CNBV mediante oficio número 154/26137548/2022 de fecha 07 de diciembre de 2022.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">PYMEs</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Pequeñas y Medianas Empresas.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">SCCS</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Es el porcentaje de los Activos Ponderados Sujetos a Riesgo Totales al que hace mención el inciso b) de la fracción III del Artículo 2 Bis 5 de las disposiciones de carácter general aplicables a las Instituciones de Crédito y que le corresponda de acuerdo con el Artículo 2 Bis 117 n de las disposiciones </span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">SCCI</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Es el porcentaje de los Activos Ponderados Sujetos a Riesgo Totales al que hace mención el inciso c) de la fracción III del Artículo 2 Bis 5 de las disposiciones de carácter general aplicables a las Instituciones de Crédito correspondiente al Suplemento de Capital </span><span style="font-family:Arial; font-size:11pt">Contracíclico</span><span style="font-family:Arial; font-size:11pt"> determinado conforme al Capítulo VI Bis 2 del Título Primero Bis de estas disposiciones.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">SCN</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El porcentaje equivalente al monto del Suplemento al Capital Neto al que hace mención Artículo 2 Bis 5 de las disposiciones de carácter general aplicables a las Instituciones de Crédito dividido por los Activos Ponderados Sujetos a Riesgo Totales.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">SEDI</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Sistema Electrónico de envío y Difusión de Información.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">STIV</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Sistema de Transferencia de Información de Valores de la CNBV.</span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Representante Común </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La institución de crédito o la casa de bolsa designada por el Emisor para actuar como representante común de los Tenedores según se determine en el Suplemento correspondiente.</span>
</p>
</td>
</tr>
<tr style="height:50.2pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt; text-indent:-35.4pt; padding-left:35.4pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">RNV </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Registro Nacional de Valores.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
<tr style="height:22.7pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt; text-indent:-35.4pt; padding-left:35.4pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">SHCP</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:346.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Secretaría de Hacienda y Crédito Público.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
<tr style="height:59.55pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:120pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Sociedad Controladora Filial</span>
</p>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Sociedad mexicana autorizada para constituirse y funcionar como sociedad controladora de un grupo financiero en términos de la Ley para Regular las Agrupaciones Financieras, y en cuyo capital participe mayoritariamente una institución financiera del exterior</span><span style="font-family:Arial; font-size:11pt">.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">SOFR</span>
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<span style="font-family:Arial; font-size:11pt">Secured</span><span style="font-family:Arial; font-size:11pt"> Overnight </span><span style="font-family:Arial; font-size:11pt">Financing</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Rate</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">SOFOMER</span>
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<span style="font-family:Arial; font-size:11pt">Sociedad Financiera de Objeto Múltiple</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">Tenedores</span>
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<span style="font-family:Arial; font-size:11pt">Significa los titulares de los Certificados Bursátiles Bancarios que se emitan al amparo de los respectivos.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">TIIE</span>
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<span style="font-family:Arial; font-size:11pt">Tasa de Interés Interbancaria de Equilibrio.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">UDI</span>
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<span style="font-family:Arial; font-size:11pt">Unidades de Inversión cuyo valor se publica en el DOF por Banxico.</span><span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">USD</span>
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<span style="font-family:Arial; font-size:11pt">Millones de Dólares Norteamericanos</span><span style="font-family:Arial; font-size:11pt">.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">WPB</span>
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<span style="font-family:Arial; font-size:11pt">Línea de negocios relacionada con productos y servicios de banca de consumo y patrimonial de HSBC México (WPB- </span><span style="font-family:Arial; font-size:11pt">Wealth</span><span style="font-family:Arial; font-size:11pt"> and Personal </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt">).</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:12pt; font-weight:bold">a)</span><span style="font:7.0pt 'Times New Roman'">     </span><a name="_Toc227787758" href="#" ><span style="font-family:Arial; font-size:12pt; font-weight:bold">Resumen Ejecutivo</span></a>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Este resumen no pretende contener toda la información que pueda ser relevante para tomar decisiones de inversión sobre los valores que aquí se mencionan. Por lo tanto, el público inversionista deberá leer todo el Reporte Anual, incluyendo la información financiera y las notas relativas, antes de tomar una decisión de inversión. El resumen siguiente se encuentra elaborado conforme, y está sujeto, a la información detallada y a los estados financieros contenidos en este Informe Anual. Se recomienda prestar especial atención a la sección de "Factores de Riesgo" de este Informe Anual, para determinar la conveniencia de efectuar una inversión en los valores emitidos por la Emisora.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">HSBC México es una Institución de Banca Múltiple autorizada para prestar el servicio de banca y crédito. Con fundamento en la LIC, está autorizado para realizar operaciones de banca múltiple que comprenden, entre otras, la recepción de depósitos, la aceptación de préstamos, el otorgamiento de créditos, la operación con valores e Instrumentos Financieros Derivados y la celebración de contratos de fideicomiso.</span>
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<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
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<span style="font-family:Arial; font-size:11pt">HSBC México fue fundado el 22 de julio de 1941, bajo la denominación de Banco Internacional, S.A., como una institución de banca comercial. En 1972, el Gobierno Mexicano tomó control del Banco Internacional, S.A., para ser adquirido posteriormente por el Grupo Privado Mexicano (PRIME). El 24 de junio de 1992, se formalizó la integración de Banco Internacional, S.A. al Grupo Financiero Prime Internacional, S.A. </span><span style="font-family:Arial; font-size:11pt">de C.V., cambiando más tarde su denominación a Grupo Financiero </span><span style="font-family:Arial; font-size:11pt">Bital</span><span style="font-family:Arial; font-size:11pt">, S.A. de C.V. e iniciando el desarrollo del Banco bajo la marca BITAL.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">El 22 de noviembre de 2002, GFBITAL (hoy Grupo Financiero HSBC, S.A. de C.V.) fue adquirido por HSBC Holdings </span><span style="font-family:Arial; font-size:11pt">plc</span><span style="font-family:Arial; font-size:11pt">. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Grupo Financiero HSBC es una subsidiaria directamente controlada, 99.99% propiedad de HLAH, la cual es totalmente controlada por HSBC Holdings, con sede en Londres, Gran Bretaña. HSBC México es una subsidiaria 99.99% propiedad de Grupo Financiero HSBC.</span>
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<span style="font-family:Arial; font-size:11pt">De acuerdo con el Boletín Estadístico de la CNBV de diciembre de 2025, HSBC México es el quinto banco en importancia en México, en relación con el tamaño de sus activos. Asimismo, al 31 de diciembre de 2025, HSBC México contaba con 727 sucursales, 5,021 cajeros automáticos y </span><span style="font-family:Arial; font-size:11pt">12,944</span><span style="font-family:Arial; font-size:11pt"> empleados.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Las operaciones de HSBC México se encuentran distribuidas en 8 divisionales: centro, metro norte, metro sur, noroeste, norte, occidente, peninsular y sur; y tiene presencia en los 31 estados de la República Mexicana y la Ciudad de México. </span>
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<span style="font-family:Arial; font-size:11pt">La estructura corporativa de Grupo Financiero HSBC al 31 de diciembre de 2025 es la que se indica a continuación: </span>
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<img 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" 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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La participación accionaria incluye la directa e indirecta del Grupo Financiero en las subsidiarias.</span>
</p>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las otras subsidiarias de Grupo Financiero HSBC son: </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">HSBC Casa de Bolsa, S.A. de C.V., Grupo Financiero HSBC, que actúa como intermediaria financiera en operaciones con valores autorizados; </span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">HSBC Global </span><span style="font-family:Arial; font-size:11pt">Asset</span><span style="font-family:Arial; font-size:11pt"> Management (México) S.A. de C.V., Sociedad Operadora de Fondos de Inversión, Grupo Financiero HSBC, quien realiza operaciones de prestación de servicios administrativos y de operación a las sociedades de inversión administradas por el Grupo Financiero; </span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">HSBC Servicios, S.A. de C.V., Grupo Financiero HSBC, quien realiza actividades de servicios de asesoría relacionados con sistemas financieros, incluyendo consultoría y asistencia técnica en procesos administrativos;</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">HSBC Seguros, S.A. de C.V., Grupo Financiero HSBC, que tiene como objeto principal practicar, en los términos de la Ley de Instituciones de Seguros y Fianzas, el seguro, coaseguro y reaseguro.</span>
</li>
</ul>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las entidades anteriores se encuentran reguladas por la Comisión Nacional Bancaria y de Valores, salvo HSBC Seguros misma que se encuentra regulada por la Comisión Nacional de Seguros y Fianzas.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Principales áreas de negocio de HSBC México</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Banca de Consumo y Patrimonial (</span><span style="font-family:Arial; font-size:11pt; font-style:italic">International </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Wealth</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic">y</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> Premier </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Banking</span><span style="font-family:Arial; font-size:11pt; font-style:italic">)</span><span style="font-family:Arial; font-size:11pt; font-style:italic; background-color:#ffff00"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Línea de negocio dirigido principalmente a personas físicas que comprende en su mayoría los productos de consumo, entre los que destacan tarjetas de crédito, préstamos personales y para auto, así como créditos hipotecarios y captación tradicional. Adicionalmente también se atiende a un grupo de personas físicas con actividad empresarial, cuyos principales productos son las líneas de crédito para capital de trabajo; así como a un grupo específica de pequeñas empresas, con productos de préstamos a plazo y servicios financieros relativos a cuentas de cheques y administración de efectivo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Banca de Empresas e Instituciones</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic">(</span><span style="font-family:Arial; font-size:11pt; font-style:italic">Corporate</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> and </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Institutional</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Banking</span><span style="font-family:Arial; font-size:11pt; font-style:italic">)</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Línea de negocio dirigido </span><span style="font-family:Arial; font-size:11pt">a las personas morales, tanto locales como multinacionales y clientes Institucionales, con necesidades de productos financieros en pesos mexicanos y otras divisas como líneas de crédito para capital de trabajo, préstamos a plazo, financiamiento para exportaciones, productos para el manejo de la Tesorería de los clientes como cuentas de cheques, pagos, tarjetas corporativas y manejo de Liquidez; además de soluciones en Mercados Globales en un modelo operativo que incorpora desde una atención local y domestica con necesidades financieras primarias hasta soluciones que involucran presencia global en otros mercados.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Servicios de Mercados y Valores (MSS)</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Línea de negocio especializado en mercados financieros y de custodia de valores, que cuenta con diversidad de productos del mercado de dinero y mercado de capitales, incluyendo instrumentos de liquidez, de divisas, de deuda gubernamental y corporativa, derivados y estructurados, así como también intermediación en el mercado de valores. Está dirigido a brindar soluciones principalmente a clientes gubernamentales, bancos centrales, corporaciones locales e internacionales, inversionistas institucionales y en general a los participantes del mercado financiero.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Resumen de la información financiera</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify; widows:0; orphans:0">
<span style="font-family:Arial; font-size:11pt">La información presentada a continuación fue extraída de los estados financieros consolidados auditados.</span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:474.9pt">
<tr style="height:15pt">
<td colspan="5" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:467.9pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">HSBC México, S.A. </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td colspan="5" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:467.9pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Millones de pesos</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Estados de Situación Financiera Consolidados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2025</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2023</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">ACTIVO</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">EFECTIVO Y EQUIVALENTES DE EFECTIVO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">73,857 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">68,727</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">66,814</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CUENTAS DE MARGEN </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">448 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">96</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">112</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">INVERSIONES EN INSTRUMENTOS FINANCIEROS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">219,688 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">188,527</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">130,293</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Instrumentos Financieros Negociables</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">75,951 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">56,964</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">46,465</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Instrumentos Financieros para Cobrar o Vender</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">91,408 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">84,588</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">58,557</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Instrumentos Financieros para Cobrar Principal e Interés </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">52,329 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">46,975</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">25,271</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">DEUDORES POR REPORTO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">46,352 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">86,024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">46,044</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PRÉSTAMO DE VALORES</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">INSTRUMENTOS FINANCIEROS DERIVADOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">19,035 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">26,850</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">28,588</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Con Fines de Negociación</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">19,022 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">26,850</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">28,568</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Con Fines de Cobertura</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">13 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">20</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">AJUSTES DE VALUACIÓN POR COBERTURA DE ACTIVOS FINANCIEROS</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CARTERA DE CRÉDITO CON RIESGO DE CRÉDITO ETAPA 1 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">455,178 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">491,681</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">450,527</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos Comerciales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">226,135 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">243,241</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">213,316</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Actividad Empresarial o Comercial</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">206,983 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">212,008</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">180,201</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Entidades Financieras</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,039 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">13,889</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">9,087</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Entidades Gubernamentales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">15,113 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">17,344</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">24,028</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos de Consumo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">87,146 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">101,160</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">96,581</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos a la Vivienda</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">141,897 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">147,280</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">140,630</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Media y Residencial</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">141,088 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">146,331</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">139,569</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> De Interés Social</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Créditos Adquiridos al INFONAVIT o el FOVISSSTE</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">809 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">949</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,061</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CARTERA DE CRÉDITO CON RIESGO DE CRÉDITO ETAPA 2 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,153 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,632</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5,537</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos Comerciales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,147 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,526</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">626</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Actividad Empresarial o Comercial</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,147 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,944</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">626</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Entidades Financieras</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">582</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Entidades Gubernamentales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos de Consumo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,712 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,968</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,799</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos a la Vivienda</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,294 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,138</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,112</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Media y Residencial</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,274 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,106</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,081</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> De Interés Social</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Créditos Adquiridos al INFONAVIT o el FOVISSSTE</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">20 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">32</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">31</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CARTERA DE CRÉDITO CON RIESGO DE CRÉDITO ETAPA 3 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">14,578 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">11,733</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">12,709</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos Comerciales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,951 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,763</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,449</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Actividad Empresarial o Comercial</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,276 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,763</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,449</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Entidades Financieras</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">675 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Entidades Gubernamentales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos de Consumo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,148 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,167</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,885</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos a la Vivienda</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,479 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,803</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,375</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Media y Residencial</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,313 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,701</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,300</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> De Interés Social</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Créditos Adquiridos al INFONAVIT o el FOVISSSTE</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">166 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">102</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">75</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CARTERA DE CRÉDITO VALUADA A VALOR RAZONABLE</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,712 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CARTERA DE CRÉDITO</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">478,621 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">511,046</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">468,773</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PARTIDAS DIFERIDAS</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ESTIMACIÓN PREVENTIVA PARA RIESGOS CREDITICIOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> (18,131)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(18,312)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(17,758)</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CARTERA DE CRÉDITO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">460,490 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">492,734</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">451,015</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Derechos de Cobro Adquiridos </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">TOTAL DE CARTERA DE CRÉDITO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">460,490 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">492,734</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">451,015</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ACTIVOS VIRTUALES</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">BENEFICIOS POR RECIBIR EN OPERACIONES DE BURSATILIZACIÓN</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">10</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">OTRAS CUENTAS POR COBRAR </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">21,743 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">39,381</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">36,197</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">BIENES ADJUDICADOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">321 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">276</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">351</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:24pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ACTIVOS DE LARGA DURACIÓN MANTENIDOS PARA LA VENTA O PARA DISTRIBUIR A LOS PROPIETARIOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">98 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">10</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">10</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PAGOS ANTICIPADOS Y OTROS ACTIVOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5,640 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,061</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,140</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PROPIEDADES, MOBILIARIO Y EQUIPO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,456 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,612</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,756</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ACTIVOS POR DERECHOS DE USO DE PROPIEDADES, MOBILIARIO Y EQUIPO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,641 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,252</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,317</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">INVERSIONES PERMANENTES </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">377 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,502</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,475</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ACTIVO POR IMPUESTOS A LA UTILIDAD DIFERIDOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,963 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,357</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,797</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ACTIVOS INTANGIBLES </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,410 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,416</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,575</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ACTIVOS POR DERECHOS DE USO DE ACTIVOS INTANGIBLES </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CRÉDITO MERCANTIL</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">TOTAL DE ACTIVO</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">871,519 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">934,825</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">791,494</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:0pt">
<td style="width:290.6pt; border:none">
</td>
<td style="width:60pt; border:none">
</td>
<td style="width:60pt; border:none">
</td>
<td style="width:60pt; border:none">
</td>
<td style="width:4.3pt; border:none">
</td>
</tr>
</table>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt">
<br style="page-break-before:always; clear:both" />
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:470.6pt">
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Estados de Situación Financiera Consolidados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2025</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2023 </span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">PASIVO</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CAPTACIÓN TRADICIONAL </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">566,050 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">618,654</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">523,914</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Depósitos de Exigibilidad Inmediata</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">384,519 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">406,705</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">350,357</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Depósitos a Plazo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">159,895 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">190,220</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">163,048</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Del Público en General</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">150,589 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">167,704</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">148,871</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Mercado de Dinero</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">9,306 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">22,516</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">14,177</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Títulos de Crédito Emitidos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">18,826 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">19,259</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">8,574</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Cuenta Global de Captación sin Movimientos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,810 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,470</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,935</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PRÉSTAMOS INTERBANCARIOS Y DE OTROS ORGANISMOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">10,368 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">10,301</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">15,450</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">De Exigibilidad Inmediata</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,300 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,007</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">De Corto Plazo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,364 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5,881</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5,141</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">De Largo Plazo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,704 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,420</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,302</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ACREEDORES POR REPORTO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">69,939 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">32,918</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">28,307</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PRÉSTAMO DE VALORES</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">COLATERALES VENDIDOS O DADOS EN GARANTÍA </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">27,052 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">69,984</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">41,959</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Reportos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">24,232 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">62,059</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">32,809</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Préstamo de Valores </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,820 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,925</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">9,150</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Instrumentos Financieros Derivados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros Colaterales Vendidos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">INSTRUMENTOS FINANCIEROS DERIVADOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">19,424 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">31,300</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">29,588</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Con Fines de Negociación</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">19,421 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">31,284</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">29,579</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Con Fines de Cobertura</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">16</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">9</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">AJUSTES DE VALUACIÓN POR COBERTURA DE PASIVOS FINANCIEROS</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">OBLIGACIONES EN OPERACIONES DE BURSATILIZACIÓN</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PASIVO POR ARRENDAMIENTO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,747 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,310</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,324</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">OTRAS CUENTAS POR PAGAR </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">38,201 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">37,859</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">38,929</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Acreedores por Liquidación de Operaciones</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">17,436 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">18,173</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">11,497</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Acreedores por Cuentas de Margen</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Acreedores por Colaterales Recibidos en Efectivo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,093 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,750</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,959</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Contribuciones por Pagar</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">933 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,225</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,265</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Acreedores Diversos y Otras Cuentas por Pagar</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">17,739 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">15,711</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">22,208</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PASIVOS RELACIONADOS CON GRUPOS DE ACTIVOS MANTENIDOS PARA LA VENTA</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">INSTRUMENTOS FINANCIEROS QUE CALIFICAN COMO PASIVO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">41,443 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">40,153</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">25,401</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Obligaciones Subordinadas en Circulación</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">41,443 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">40,153</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">25,401</span>
</p>
</td>
</tr>
<tr style="height:24pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Aportaciones para Futuros Aumentos de Capital Pendientes de Formalizar por su Órgano de Gobierno</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:24pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">OBLIGACIONES ASOCIADAS CON EL RETIRO DE COMPONENTES DE Propiedades, Mobiliario y Equipo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PASIVO POR IMPUESTOS A LA UTILIDAD </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,508 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,244</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">45</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PASIVO POR BENEFICIOS A LOS EMPLEADOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,592 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,039</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5,219</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CRÉDITOS DIFERIDOS Y COBROS ANTICIPADOS</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,022 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,240</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,909</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">T O T A L P A S I V O </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">785,346 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">854,003</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">714,045</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Estados de Situación Financiera Consolidados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2025</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2023 </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">CAPITAL CONTABLE </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CAPITAL CONTRIBUIDO</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">38,318 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">38,318</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">38,318</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Capital Social</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,132 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,132</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,132</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Aportaciones para Futuros Aumentos de Capital Formalizadas </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">por su Órgano de Gobierno</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Prima en Venta de Acciones</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">32,186 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">32,186</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">32,186</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Instrumentos Financieros que Califican como Capital</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CAPITAL GANADO</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">47,855 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">42,504</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">39,131</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Reservas de Capital</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">15,990 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">15,305</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">14,510</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Resultado Acumulados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">34,524 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">30,715</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">28,125</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Resultado de Ejercicios Anteriores </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">27,205 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">23,849</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">20,127</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Resultado Neto</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,319 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,866</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,998</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros Resultados Integrales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt">(2,659)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(3,516)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(3,504)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Valuación de Instrumentos Financieros para Cobrar o Vender</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,081 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(471)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(754)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Valuación de Instrumentos Financieros Derivados de</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Cobertura de Flujos de Efectivo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(97)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(204)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(199)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Ingresos y Gastos Relacionados con Activos Mantenidos para su Disposición</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Remediciones por Beneficios Definidos a los Empleados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(3,643)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(2,841)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(2,551)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Efecto Acumulado por Conversión</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Resultados por Tenencia de Activos no Monetarios</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Participación en ORI de Otras Entidades</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">TOTAL PARTICIPACIÓN CONTROLADORA</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">86,173 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">80,822</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">77,449</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">TOTAL PARTICIPACIÓN NO CONTROLADORA</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">TOTAL CAPITAL CONTABLE</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">86,173 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">80,822</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">77,449</span>
</p>
</td>
</tr>
<tr style="height:2.55pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
</tr>
<tr style="height:2.55pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">TOTAL PASIVO Y CAPITAL CONTABLE</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">871,519 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">934,825</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">791,494</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Estados de Situación Financiera Consolidados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2025</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2023 </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">CUENTAS DE ORDEN</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2,588,310</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2,672,149</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">3,381,459</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Avales Otorgados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Activos y Pasivos Contingentes</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Compromisos Crediticios </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">437,423</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">439,226</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">342,013</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Bienes en Fideicomiso o Mandato </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">312,979</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">205,548</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">200,803</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Fideicomisos </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">312,097</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">204,733</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">199,934</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Mandatos </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">882</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">815</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">869</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Bienes en Custodia o en Administración </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">480,624</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">401,821</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">345,276</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Colaterales Recibidos por la Entidad </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">51,421</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">95,831</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">55,524</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Colaterales Recibidos y Vendidos o Entregados en Garantía por la Entidad </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">28,010</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">75,586</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">49,337</span>
</p>
</td>
</tr>
<tr style="height:24pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Intereses Devengados no Cobrados Derivados de Cartera de Crédito con Riesgo de Crédito Etapa 3 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">707</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">547</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">726</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Otras Cuentas de Registro </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,277,146</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,453,590</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,387,780</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt">
<br style="page-break-before:always; clear:both" />
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:474.9pt">
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">HSBC México, S.A. </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Millones de pesos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Estados de Resultados Integrales Consolidados</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2023</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Ingresos por Intereses</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">90,760 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">93,687</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">82,455</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Gastos por Intereses</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(41,556)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(46,980)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(40,199)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Resultado por Posición Monetaria Neto</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">MARGEN FINANCIERO</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">49,204 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">46,707</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">42,256</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Estimación Preventiva para Riesgos Crediticios</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(14,132)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(14,697)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(12,925)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">MARGEN FINANCIERO AJUSTADO POR RIESGOS CREDITICIOS</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">35,072 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">32,010</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">29,331</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Comisiones y Tarifas Cobradas</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">13,882 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">13,465</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">12,137</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Comisiones y Tarifas Pagadas </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(3,557)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(3,403)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(3,066)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Resultado por Intermediación</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,486 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,358</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,643</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros Ingresos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">235 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(808)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(389)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Gastos de Administración y Promoción</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(37,043)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(34,311)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(30,446)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">RESULTADO DE LA OPERACIÓN</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">10,075 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">10,311</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">10,210</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Participación en el Resultado Neto de Otras Entidades</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">256 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">268</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">249</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">RESULTADO ANTES DE IMPUESTOS A LA UTILIDAD</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">10,331 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">10,579</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">10,459</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Impuestos a la Utilidad</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> (3,012)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(3,713)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(2,461)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">RESULTADO DE OPERACIONES CONTINUAS</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">7,319 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">6,866</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">7,998</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Operaciones Discontinuadas</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">RESULTADO NETO</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">7,319 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">6,866</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">7,998</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros Resultados Integrales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Valuación de Instrumentos Financieros para Cobrar o Vender</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,552 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">283</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">561</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Valuación de Instrumentos Financieros Derivados de Cobertura de</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Flujos de Efectivo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">107 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(5)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">922</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Ingresos y Gastos Relacionados con Activos Mantenidos para Su Disposición</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Remediciones por Beneficios Definidos a los Empleados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> (802)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(290)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(416)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Efecto Acumulado por Conversión</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Resultados por Tenencia de Activos No Monetarios</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Participación en ORI de Otras Entidades</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">RESULTADO INTEGRAL</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">8,176 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">6,854</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">9,065</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">RESULTADO NETO ATRIBUIBLE A:</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">7,319 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">6,866</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">7,998</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Participación Controladora</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,319 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,866</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,998</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Participación No Controladora</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">RESULTADO INTEGRAL ATRIBUIBLE A:</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">8,176 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">6,854</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">9,065</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Participación Controladora</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">8,176 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,854</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">9,065</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Participación No Controladora</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">UTILIDAD BÁSICA POR ACCIÓN ORDINARIA</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">1.69</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">1.59</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">1.85</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 35.45pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Principales indicadores financieros </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:436pt">
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Concepto</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:53pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">2025</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">2023</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Liquidez</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">a) CCL</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">177.43%</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">188.50%</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">160.16%</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">b) CFEN</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">141.14%</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">135.77%</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">130.94%</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Rentabilidad</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">c) ROE</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">8.38%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">8.37%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">10.32%</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">d) ROA</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">0.83%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">0.76%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1.00%</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Calidad de activos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">e) Morosidad</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3.00%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2.30%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2.71%</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">f) Cobertura de cartera de crédito etapa 3</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">124.37%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">156.07%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">139.73%</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Capitalización</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">g) Respecto a riesgos de crédito</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">25.83%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">22.06%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">20.70%</span>
</p>
</td>
</tr>
<tr style="height:28.5pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">h) Respecto a riesgos de crédito, mercado y operacional</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">19.38%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">16.94%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">15.78%</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Eficiencia Operativa</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">i) Gastos/Activo Total</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">4.70%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3.78%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3.82%</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">j) MIN</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">4.40%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3.82%</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">4.02%</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Infraestructura (información no auditada)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Sucursales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">727</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">811</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">865</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Cajeros Automáticos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,021</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,240</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,583</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:249pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Empleados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">12,944</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">13,603</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">14,216</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">a)</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">CCL = Activos líquidos computables / Flujo neto total de salida de Efectivo (Promedio diario del Cuarto Trimestre)</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt">
<span style="font-family:Arial; font-size:11pt">b)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">CFEN = Monto de Financiamiento Estable Disponible/ Monto de Financiamiento Estable Requerido</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">c)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">ROE = Resultado neto del año / Capital contable promedio.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">d)</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">ROA = Resultado neto del año / Activo total promedio.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">e)</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Índice de Morosidad = Saldo de la Cartera de Crédito con riesgo de crédito etapa 3 al cierre del año / Saldo de la cartera de crédito total al cierre del año.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">f)</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Índice de cobertura de cartera de crédito etapa 3 = Saldo de la estimación preventiva para riesgos crediticios al cierre del año / / Saldo de la Cartera de Crédito con riesgo de crédito etapa 3 al cierre del año.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">g)</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Índice de Capitalización por riesgo de crédito = Capital neto / Activos sujetos a riesgo de crédito.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">h)</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Índice de Capitalización por riesgo de crédito, mercado y operacional = Capital neto / Activos sujetos a riesgo de crédito y mercado.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">i)</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Eficiencia operativa = Gastos de administración y promoción del año / Activo total promedio.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">j)</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">MIN = Margen financiero del año ajustado por riesgos crediticios / Activos productivos promedio. Donde:</span>
</p>
<p style="margin:0pt 0pt 0pt 54pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Activos productivos = Efectivo y Equivalentes de Efectivo, + Inversiones en Instrumentos Financieros + Deudores por reporto + Préstamos de valores + Instrumentos Financieros Derivados + Ajuste de valuación por cobertura de activos financieros + Cartera de crédito con riesgo de crédito etapas 1 y 2 + Beneficios por recibir en operaciones de bursatilización</span>
</p>
<p style="margin:0pt 0pt 0pt 45pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Notas:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Los datos promedio utilizados corresponden al promedio del saldo del cierre del año en estudio y el saldo del cierre del trimestre inmediato anterior.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Comportamiento de los títulos colocados en el mercado de valores</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Durante 2025 HSBC México se ha mantenido estable con respecto a las calificaciones de las agencias y el comportamiento de sus títulos colocados en el mercado.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El valor de los Certificados Bursátiles Bancarios pudiera verse afectado tanto por factores internos relacionados con el negocio del Emisor y su capacidad crediticia en cuanto por factores externos independientes de su capacidad crediticia, como fluctuaciones en las tasas de interés, tipos de cambio, mercado limitado para los certificados, etc.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify; page-break-after:avoid">
<span style="font-family:Arial; font-size:12pt; font-weight:bold; font-style:italic">c)</span><span style="font:7.0pt 'Times New Roman'">     </span><a name="_Toc227787759" href="#" ><span style="font-family:Arial; font-size:12pt; font-weight:bold; font-style:italic">Factores de Riesgo</span></a>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El público inversionista debe considerar cuidadosamente los factores de riesgo que se describen a continuación antes de tomar cualquier decisión de inversión. Los riesgos e incertidumbres que se describen a continuación no son los únicos a los que se enfrenta HSBC. Los riesgos e incertidumbres que HSBC desconoce, así como aquellos que considera actualmente como de poca importancia, también podrían afectar sus operaciones y actividades.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La realización de cualquiera de los riesgos que se describen a continuación podría tener un efecto adverso significativo sobre las operaciones, la situación financiera o los resultados de operación del banco</span><span style="font-family:Arial; font-size:11pt">.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los riesgos descritos a continuación pretenden destacar aquellos que son específicos de HSBC, pero que de ninguna manera deben considerarse como los únicos riesgos que el público inversionista pudiere llegar a enfrentar. Dichos riesgos e incertidumbres adicionales, incluyendo aquellos que en lo general afecten a la industria en la que opera HSBC, las zonas geográficas en los que tienen presencia o aquellos riesgos que consideran que no son importantes, también pueden llegar a afectar su negocio y el valor de la inversión.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La información distinta a la información histórica que se incluye en el presente Reporte Anual, refleja la perspectiva operativa y financiera en relación con acontecimientos futuros, y puede contener información sobre resultados financieros, situaciones económicas, tendencias y hechos inciertos. Las expresiones "cree", "espera", "estima", "considera", "prevé", "planea" y otras expresiones similares, identifican dichas estimaciones. Al evaluar dichas estimaciones, el inversionista potencial deberá tener en cuenta los factores descritos en esta sección y otras advertencias contenidas en este Informe. Los Factores de Riesgo describen las circunstancias de carácter no financiero que podrían ocasionar que los resultados reales difieran significativamente de los esperados con base en las estimaciones a futuro.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En el Banco la administración integral de riesgos involucra tanto el cumplimiento a las Disposiciones Prudenciales en Materia de Administración Integral de Riesgos, incluidas dentro de la Circular Única de Bancos, así como a la normativa establecida por el Grupo HSBC a nivel mundial cuyo objetivo último es la generación de valor para sus accionistas, manteniendo un perfil conservador en cuanto a la exposición de riesgos en la organización.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El reconocimiento de preceptos fundamentales es esencial para la eficiente y eficaz administración integral de riesgos, tanto cuantificables discrecionales (crédito, mercado y liquidez), no discrecionales, que son riesgos operativos que comprenden el riesgo tecnológico, legal y riesgo operativo, y bajo la premisa de satisfacer los procesos básicos de identificación, medición, monitoreo, limitación, control y divulgación, asimismo existe una tercera categoría de riesgos que consideramos como no cuantificables y son los relativos a riesgo estratégico, de negocio y reputacional. Finalmente tenemos que mencionar el riesgo de concentración que es aquel que representa mucho crédito en pocos clientes.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">El marco de Administración de Riesgos en el Banco como en sus principales filiales inicia con el Consejo de Administración, cuya responsabilidad pri</span><span style="font-family:Arial; font-size:11pt">maria</span><span style="font-family:Arial; font-size:11pt"> es la aprobación de los objetivos, lineamientos y políticas relativas a este tema. El Comité de Riesgo (RMM) determina los límites de exposición de riesgo, la cual se encuentra soportada con la constitución del Comité de Activos y Pasivos (ALCO). </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Los factores de riesgo que a continuación se describen podrían tener un impacto significativo en el desarrollo y evolución del Banco. Estos riesgos e incertidumbres no son únicos ni excluyentes, ya que existen otros que se desconocen o que actualmente no se consideran significativos y que podrían afectar en forma adversa el desarrollo y evolución del Banco.</span>
</p>
<p style="margin:0pt; text-align:justify">
<br style="page-break-before:always; clear:both" /><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">1. FACTORES DE RIESGO ECONÓMICO Y POLÍTICO</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Crecimiento económico</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">La economía tuvo un crecimiento mucho más moderado en 2025 con respecto a años previos, al expandirse únicamente 0.6% en términos anuales. En particular, los primeros meses del año tuvieron un crecimiento muy contenido, propiciado en gran medida por la incertidumbre relacionada a posibles cambios en la política comercial de Estados Unidos. Hacia el cuarto trimestre del año, la economía registró una recuperación, impulsada por la estabilización en algunos sectores y por la resiliencia en otros. Esta dinámica podría extenderse hacia 2026, lo cual implicaría una mejoría en la actividad económica. Sin embargo, la expectativa es que el crecimiento de la economía siga estando por debajo del potencial, lo cual sugiere cierta debilidad en algunas actividades.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">En este contexto, el sector bancario, entre otros, se puede ver afectado por un crecimiento económico moderado, lo que se podría traducir en un freno para la captación de fondos y en la demanda de crédito, que a su vez podría afectar negativamente la capacidad del Banco para originar nuevos negocios y resultados satisfactorios, por lo que podría tener un efecto adverso en la condición financiera, en la operación y en los resultados de HSBC México, y por ende en la capacidad de pago de los valores emitidos. Al 31 de diciembre de 2025 el PIB mostró una expansión de 0.6% vs 2024. El crecimiento anual real del Producto Interno Bruto (PIB) en México, según datos de INEGI fue 1.5% en 2024 y 3.2% en 2023.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Apreciación del Peso Mexicano</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Después de un periodo prolongado de fortaleza, el tipo de cambio del Peso tuvo una corrección significativa frente al dólar en la segunda mitad del 2024 y la cual se extendió hacia los primeros meses del 2025, como resultado de una percepción de mayores riesgos globales y locales por parte de los mercados financieros. En particular, la incertidumbre sobre posibles cambios en la política comercial de Estados Unidos incidió en este comportamiento.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Sin embargo, a medida que avanzó el 2025, la posición relativamente más favorable de México con respecto a otros países, tasas reales de interés competitivas y una estabilización en el panorama, propiciaron una apreciación del tipo de cambio durante los últimos meses de 2025.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Ante este panorama, el peso mexicano registró una apreciación de doble dígito a finales de 2025 con respecto a inicios de año. Si bien esto es favorable para importadores, representa un riesgo a la baja para exportadores, receptores de remesas e industrias relacionadas al turismo internacional. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">El tipo de cambio mostró una apreciación de alrededor 13.77% en 2025 con respecto al año anterior, siendo la quinta moneda de mercados emergentes que más se fortaleció contra el dólar. En lo que va de 2026, el peso se ha apreciado alrededor de 1.47% contra el dólar.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Para mitigar este tipo de riesgos específicos, el Banco cuenta con un Comité de riesgos que monitorea de manera cotidiana la metodología y procedimientos para identificar, medir, supervisar, limitar, controlar, informar y revelar los riesgos por tipo de cambio; y </span><span style="font-family:Arial; font-size:11pt">aprueba los límites específicos de exposición y los niveles de tolerancia al riesgo. Igualmente, el Banco cuenta con un comité para la administración de activos y pasivos denominado ALCO (por sus siglas en inglés, </span><span style="font-family:Arial; font-size:11pt">Assets</span><span style="font-family:Arial; font-size:11pt"> and </span><span style="font-family:Arial; font-size:11pt">Liabilities</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Committee</span><span style="font-family:Arial; font-size:11pt">) que monitorea y controla los riesgos relevantes, como lo es el tipo de cambio.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Inflación</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">La inflación tuvo un comportamiento mixto en 2025, aunque el indicador más relevante logró ubicarse por debajo de 4.00% en términos anuales la mayor parte del año. Esto abrió camino para que Banxico pudiera seguir recortando la tasa de interés de forma continua durante el año. Sin embargo, el buen comportamiento de la inflación ese atribuye al componente no subyacente, el cual registra una mayor volatilidad, ya que incluye precios de alimentos frescos y energía. El componente subyacente, el cual incluye precios de mercancías y servicios, ha mostrado un comportamiento más persistente por arriba de 4.0% desde la segunda mitad del 2025. Este será un factor para monitorear, dadas las implicaciones que pueda tener para la inflación general y para las decisiones de Banxico. En particular, habría que monitorear el impacto en la condición financiera, en la operación y en los resultados del Banco. La inflación anual en México de acuerdo con el INEGI fue de 3.69% en 2025, 4.21% en 2024 y 4.66% en 2023.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Tasas de interés</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">En este contexto, Banco de México recortó la tasa de referencia en 300 puntos base en 2025, para llevarla de 10.00% a 7.00% a finales del año. Asimismo, en la primera decisión de 2026, el Banco de México hizo una pausa en el ciclo de recortes, los cuales se esperan que se retomen en próximas reuniones.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La tasa objetivo de interés del Banco Central al cierre del año 2024 fue de 10.00%, mientras que en 2023 fue de 11.25%.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Nivel de empleo</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La tasa de desempleo se encuentra en niveles históricamente bajos, por debajo de 3%, como resultado de una demanda estable por trabajadores en distintos sectores y estados, y una oferta que se ha visto limitada en algunos casos. Esperamos que se mantenga por debajo de 3% durante el 2026 y será un factor clave para monitorear, ya que el rubro de sueldos y salarios es la principal fuente de ingreso de los hogares, y es relevante para efectos de cobranza e impactos al desempeño del Banco.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Modificaciones al régimen fiscal</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Conforme a la ley de ISR vigente a partir del 1 de enero de 2014, establece una tasa de ISR del 30% para 2014 y años posteriores. </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco no puede garantizar que el régimen fiscal vigente no sufra modificaciones en el futuro que pudieran tener un impacto negativo sobre los ingresos de los acreditados del Banco, repercutiendo adversamente en el negocio, situación financiera y resultados de operación.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Cambios contables y reclasificaciones</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El CINIF emitió el documento llamado “Mejoras a las NIF 2025” que contienen los siguientes cambios y mejoras aplicables a partir del ejercicio 2025 (excepto cuando se indique lo contrario). </span>
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<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Mejoras que generan cambios contables</span>
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<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NIF A-1, “Marco Conceptual de las Normas de Información Financiera”– El CINIF realizó algunas modificaciones y adecuaciones a los párrafos de la NIF A-1 relacionados con las revelaciones de “Políticas contables importantes”, con el objetivo de que las entidades proporcionen información más efectiva de las mismas, de acuerdo con el proceso de importancia relativa, esto para que los usuarios puedan entender la información sobre transacciones y otros eventos reconocidos o revelados en los estados financieros, considerando no solo el tamaño de la transacción, sino también su naturaleza, en lugar de solo revelar información estandarizada o que duplica o que resume el contenido de los requerimientos de las NIF particulares. </span>
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<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NIF B-14, “Utilidad por acción” modifica su alcance para indicar que esta NIF es aplicable solo a las entidades que tienen instrumentos de capital listados o por listar en una bolsa de valores.</span>
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<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NIF B-15, “Conversión de monedas extranjeras” – En la anterior NIF B-15 no se establecía qué debe hacer una entidad cuando en la fecha de conversión de monedas extranjeras se determina que cierta moneda no es intercambiable, por lo que el CINIF incluyó la normativa aplicable, la cual está en convergencia con las modificaciones realizadas a la NIC 21, “Efectos de las Variaciones en las Tasas de Cambio de la Moneda Extranjera”, especificando el procedimiento para determinar que una moneda no es intercambiable por otra u otras monedas, la estimación del tipo de cambio de contado y requerimientos de revelación para esta situación en particular para todas las entidades.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NIF C-3 “Cuentas por cobrar” – Para evitar inconsistencias con los previsto en la NIF D-1, “Ingresos por contratos con clientes” respecto al reconocimiento del ingreso neto cuando el contrato incluye un monto variable (estimación del monto de la contraprestación a la cual tendrá derecho a cambio de transferir el control sobre los bienes o servicios acordados con el cliente menos montos variables que tengan altas probabilidades de revertirse, como lo son: bonificaciones, descuentos y devoluciones), la CINIF modificó esta NIF, para eliminar el requerimiento de una presentación en un rubro por separado dentro del estado de resultado integral de las bonificaciones, descuentos y devoluciones otorgadas a clientes. En su lugar, se permite hacer una revelación en notas de dichos conceptos de forma separada.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En consecuencia, de estos cambios, se realizaron adecuaciones en la NIF B-3 “Estado de resultado integral” y NIF B-16 “Estados financieros de entidades con propósitos no lucrativos” que no son aplicables a Instituciones de Crédito de acuerdo con los criterios contables”. </span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NIF C-6, “Propiedades, planta y equipo” – Se eliminó el “método de depreciación especial”, que era una práctica dentro de los diversos métodos de depreciación. Además, se incluye la descripción de cada uno de los métodos de depreciación </span><span style="font-family:Arial; font-size:11pt">reconocidos: métodos de actividad, método de línea recta y métodos de cargos decrecientes.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NIF D-1, “Ingresos por contratos con clientes” – Se modificó el alcance de esta NIF para reconocer contratos que en sustancia económica sean similares a un contrato de seguro pero que tienen como propósito principal la prestación de servicios a un pago fijo (por ejemplo, servicios de asistencia de grúas o de asistencia mecánica en carreteras), si, y solo si, cumplen las siguientes condiciones: i) la entidad no refleja una evaluación del riesgo asociado con un cliente en particular al establecer el precio del contrato con ese cliente; </span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) el contrato compensa al cliente mediante la prestación de servicios, en lugar de realizarle pagos en efectivo; y </span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) el riesgo de seguro transferido por el contrato surge principalmente del uso del cliente de los servicios en lugar de la incertidumbre sobre el costo de esos servicios. </span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Todos los cambios contables anteriores entraron en vigor en el ejercicio 2025, el Banco no tuvo impactos significativos en su adopción.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Mejoras que no generan cambios contables</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NIF A-1, “Marco Conceptual de las Normas de Información Financiera”– Se modificó la definición de usuarios de los estados financieros para estar en consistencia con la definición de las Normas de Información de Sostenibilidad (NIS), asimismo, se incluye el requerimiento de la revelación de los riesgos ambientales, sociales y de gobernanza (riesgo en materia de sostenibilidad), de igual manera que se hace con otros riesgos como el de liquidez, de crédito, de mercado o de flujo de efectivo.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Por otro lado, se incluyó que, respecto a las Políticas Contables de la entidad, es suficiente revelar solo las más importantes.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Asimismo, se hace énfasis que las revelaciones de las “Entidades que son de interés público” (EIP) deben satisfacer las necesidades de un amplio y diverso grupo de usuarios externos de la entidad, principalmente los usuarios primarios por lo que deben ser de alto alcance y detalle. Por el contrario, la información revelada por las “Entidades que no son de interés público” (ENIP) no requieren ser tan amplias, particularmente en el tema de riesgos. </span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NIF C-19, “Instrumentos financieros por pagar”– Clarificó que las otras cuentas por pagar a proveedores a largo plazo (mayores a un año), desde su reconocimiento deben </span><span style="font-family:Arial; font-size:11pt">valuarse</span><span style="font-family:Arial; font-size:11pt"> a su costo amortizado.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Actualización convergencia NIIF.- Derivado de la revisión de las siguientes NIF, se hicieron las siguientes actualizaciones en el apartado de convergencia:</span>
</p>
<p style="margin:5pt 0pt 6pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">NIF B-8, “Estados financieros consolidados o combinados”. Derivado del proyecto de revelaciones que entraron en vigor en el 2025, se homologó la revelación respecto a cuando existe participación no controladora significativa, por lo que se elimina la diferencia en convergencia.</span>
</p>
<p style="margin:5pt 0pt 6pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">NIF C-6, “Propiedades, planta y equipo”. Derivado del proyecto de revelaciones que entraron en vigor en el 2025, se eliminó la revelación del monto de la </span><span style="font-family:Arial; font-size:11pt">inversión acumulada y estimada para la terminación de las construcciones en proceso, por lo que se elimina la diferencia en convergencia.</span>
</p>
<p style="margin:5pt 0pt 6pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">NIF C-8, “Activos intangibles”. La NIC 38, Activos Intangibles, establece que el precio pagado para adquirir separadamente un activo intangible refleja la probabilidad de que la entidad obtenga beneficios económicos futuros por lo que se asume que el criterio de probabilidad siempre se cumple en estos casos; mientras que en la NIF C-8 no se contempla dicha excepción y se requiere que en todos los casos se analice si el intangible adquirido cumple con los criterios para su reconocimiento, por lo que se agrega la diferencia en convergencia. </span>
</p>
<p style="margin:5pt 0pt 6pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">NIF C-9, “Provisiones, contingencias y compromisos” – El CINIF consideró apropiado modificar esta NIF para que solo se permita reconocer un activo cuando sea prácticamente cierto que dejo de ser un activo contingente o, en el caso de los reembolsos, sea prácticamente cierta su recuperación. Lo anterior con la finalidad de converger con la NIC 37,” Provisiones, pasivos contingentes y activos contingentes” evitando una diferencia en el reconocimiento de estos activos en ambas normas. </span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Respecto a los contratos de carácter oneroso, se agregó una descripción de los costos a considerar en su determinación, en consistencia con la NIC 37, “Provisiones, pasivos contingentes y activos contingentes”. </span>
</p>
<p style="margin:5pt 0pt 6pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">NIF C-10, “Instrumentos financieros derivados y relaciones de cobertura”.</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Esta NIF tiene un criterio adicional como requisito para determinar la efectividad de una relación de cobertura, el cual se refiere a que las contrapartes tengan la capacidad económica y operativa para cumplir con los compromisos acordados, que no contempla la NIIF 9, “Instrumentos Financieros”, el cual se considera un requisito necesario, por lo que se agregó la diferencia en convergencia. </span>
</p>
<p style="margin:5pt 0pt 6pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">NIF D-8, “Pagos basados en acciones”. Se incluyeron las precisiones necesarias para el reconocimiento a seguir cuando una entidad debe realizar una retención de impuestos sobre un pago basado en acciones a una contraparte empleado, lo cual ya estaba incluido en la NIIF 2, “Pagos Basados en Acciones”.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Precisiones diversas NIF.- Se incluyeron las siguientes precisiones a las NIF para poder apoyar en su entendimiento:</span>
</p>
<p style="margin:5pt 0pt 6pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">NIF A-1, “Marco Conceptual de las Normas de Información Financiera” incluyó una aclaración respecto al reciclaje en Otros Resultados Integrales (ORI), cuando la baja del instrumento financiero fue parcial, </span>
</p>
<p style="margin:5pt 0pt 6pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">NIF B-1, “Cambios contables y correcciones de errores” aclaración que busca mantener consistencia con la definición de reclasificaciones contables, </span>
</p>
<p style="margin:5pt 0pt 6pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">NIF B-5, “Información financiera por segmentos” homologando su alcance a las EIP, </span>
</p>
<p style="margin:5pt 0pt 6pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">NIF B-9, “Información financiera a fechas intermedias” haciéndola consistente con el concepto de reconocimiento previsto en el capítulo 60 de la NIF A-1, </span>
</p>
<p style="margin:5pt 0pt 6pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">NIF B-17, “Determinación del valor razonable” se realizan precisiones con la finalidad de hacer más clara su redacción respecto a lo que debe revelarse para </span><span style="font-family:Arial; font-size:11pt">activos y pasivos mantenidos al final del periodo sobre el que se informa, que se valúan al valor razonable sobre una base recurrente, </span>
</p>
<p style="margin:5pt 0pt 6pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">NIF C-2,” Inversión en instrumentos financieros” y NIF C-20, “Instrumentos financieros para cobrar principal e interés” para mantener consistencia con el término de fecha de concertación.</span>
</p>
<p style="margin:5pt 0pt 6pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">NIF C-6, “Propiedades, planta y equipo” se hace una precisión en las revelaciones de esta NIF, </span>
</p>
<p style="margin:5pt 0pt 6pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">NIF C-15, “Deterioro en el valor de los activos de larga duración” se incluyó una precisión para utilizar una tasa de descuento de las proyecciones de flujos de efectivo futuros que no exceda la tasa promedio de crecimiento a largo plazo para los productos o industrias, así como para el país o países en que opera la entidad y para el mercado en que se utilice el activo, para la determinación del monto recuperable por valor de uso.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Adicionalmente, se eliminaron párrafos transitorios de las NIF que ya no son vigentes, y en el Glosario de la NIF se eliminaron las referencias a los párrafos de cada NIF en lo que se hace mención en las definiciones. </span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco no tuvo impactos significativos por la entrada en vigor de estos cambios.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Modificaciones contables que entraron en vigor en el ejercicio 2026. </span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Mejoras a las NIF 2025.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NIF C-19, “Instrumentos financieros por pagar” – En convergencia con las modificaciones realizadas a la NIIF 9, “Instrumentos financieros”, se propone adicionar ciertos requisitos opcionales para dar de baja un pasivo financiero en la fecha cuando se paga en efectivo utilizando un sistema de pagos electrónico, siempre que se cumpla con lo siguiente y se aplica de forma consistente: i) la entidad no tiene capacidad para retirar, detener o cancelar la instrucción de pago; </span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) la entidad no tiene la capacidad práctica para acceder al efectivo que se utilizará para la liquidación como resultado de la instrucción del pago y </span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) el riesgo de liquidación asociado con el sistema de pagos electrónicos es poco importante. </span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">NIF C-19, “Instrumentos financieros por pagar” y NIF C-20, “Instrumentos financieros para cobrar principal e interés” – Con el objetivo de comprender la naturaleza y el alcance de los riesgos que surgen de los instrumentos financieros con cláusulas contingentes, por ejemplo, los bonos ASG o temáticos, que están vinculados al cumplimiento de un objetivo ambiental, social o de gobernanza, se hicieron adiciones a esta NIF, para que las entidades revelen información que permita a los usuarios de los estados financieros conocer la incertidumbre de los flujos de efectivo futuros, como inversionista y/o emisor de este tipo de instrumentos. Los requerimientos de revelación que se proponen serán aplicables únicamente para EIP.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Nueva NIF A-2 Incertidumbres sobre el negocio en marcha.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El día 6 de diciembre de 2024, la CINIF emitió esta nueva NIF que tiene como objetivo establecer las bases para el análisis de eventos y condiciones que podrían generar incertidumbres sobre negocio en marcha de una entidad. </span>
</p>
<p style="margin:0pt 0pt 6pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Asimismo, esta nueva NIF incluye las normas de valuación, presentación y revelación que son aplicables a entidades que: </span>
</p>
<ol type="i" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 6pt 23pt; text-indent:0pt; text-align:justify; padding-left:13pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">son negocio en marcha, pero tienen incertidumbres importantes sobre su condición para continuar como negocio en marcha, </span>
</li>
<li style="margin:0pt 0pt 6pt 23pt; text-indent:0pt; text-align:justify; padding-left:13pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">continúan como negocio en marcha, pero están en proceso de reorganización legal para conservar su condición de negocio en marcha, y</span>
</li>
<li style="margin:0pt 0pt 6pt 23pt; text-indent:0pt; text-align:justify; padding-left:13pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">no es un negocio en marcha. </span>
</li>
</ol>
<p style="margin:0pt 0pt 6pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Estas modificaciones contables entraron</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">en vigor a partir del 1° de enero de 2026, permitiéndose su aplicación anticipada. El Banco no tuvo impactos en su adoptación.</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Mejoras a las disposiciones contables emitidos por la Comisión Bancaria.</span>
</p>
<p style="margin:0pt 0pt 5pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El día 11 de septiembre de 2025, la Comisión Bancaria publicó en el DOF una actualización al marco normativo contable aplicable a las Instituciones de Crédito, dentro del cual se incluyó principalmente lo siguiente:</span>
</p>
<p style="margin:0pt 0pt 5pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Mejoras en la redacción para alinearlo con los términos y conceptos incluidos en las NIF.</span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:5pt 0pt 6pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Aclaración de que al aplicar la “NIF C-10 Instrumentos financieros derivados y operaciones de cobertura” se debe evaluar con base en la sustancia económica si se trata de un derivado o una garantía financiera,</span>
</li>
<li style="margin:5pt 0pt 6pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Especificación de un rubro en particular dentro del ORI donde se reconocerá la valuación de instrumentos financieros negociables, cuando se trate de instrumentos de capital no negociables en el corto plazo, por los cuales se optó irrevocablemente a medir su valor razonable en dicho rubro.</span>
</li>
<li style="margin:5pt 0pt 6pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Adecuaciones al criterio D-4 Estados de Flujo de Efectivo, donde se incluye como “Ajustes por partidas asociadas con actividades de financiamiento” a los “intereses por pasivos de arrendamiento” y se excluyen los “intereses asociados con instrumentos financieros que califican como capital”. Por otro lado, en el rubro de “Actividades de financiamiento” se elimina a los “Pagos por intereses por pasivo por arrendamiento”. </span>
</li>
<li style="margin:5pt 0pt 6pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Estas modificaciones contables entraron en vigor a partir del 1° de enero de 2026, de acuerdo con lo establecido en la “NIF B-1 Cambios contables y corrección de errores”. El Banco no estima tener impactos cuando entren en vigor estos cambios.</span>
</li>
</ul>
<p style="margin:0pt 0pt 5pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Inclusión artículos art. 174 Bis, 174 Bis 1 y 174 Bis 2 y derogación art. 175 CUB - (Criterios contables especiales). </span>
</p>
<p style="margin:0pt 0pt 5pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El día 24 de julio de 2025, la Comisión Bancaria publicó en el DOF requisitos específicos para solicitar criterios contables especiales (CCE) por declaratoria de emergencia, desastre natural o durante procesos de saneamiento financiero o de reestructuración corporativa y revelaciones mínimas requeridas. Asimismo, los lineamientos para poder extender hasta un periodo adicional de beneficios CCE y que, </span><span style="font-family:Arial; font-size:11pt">si su aplicación es revocada por la Comisión Bancaria, las entidades deberán mantener con sus clientes sus beneficios.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Estos artículos entraron en vigor al día siguiente de su publicación en el DOF y no generaron algún impacto en el Banco debido a la fecha de este reporte no se encuentra activo algún CCE.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Cambios en disposiciones gubernamentales</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Existe una extensa regulación que pretende normar la organización, operaciones, capitalización, transacciones con partes relacionadas, entre otros temas del Banco. Estas regulaciones imponen diversos requerimientos, como la obligación de mantener niveles mínimos de capital, calcular reservas para riesgo crediticio, fomentar los sanos usos y prácticas bancarias, controlar la diversificación de riesgos, vigilar los indicadores de liquidez, establecer políticas de otorgamiento de préstamos, así como de cobro de intereses y comisiones o aplicación de regulación contable.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Situación política</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco no puede asegurar que los eventos políticos mexicanos, sobre los cuales no tiene control, no tendrán un efecto desfavorable en la situación financiera o en los resultados o en el precio de mercado de los valores emitidos por el Banco. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Situación en otros países </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los valores emitidos por compañías mexicanas pueden verse afectados por las condiciones económicas y de mercado de otros países. Aunque la situación económica en esos países puede ser distinta a la de México, las reacciones de inversionistas por acontecimientos en cualquiera de estos otros países podrían cambiar el riesgo de mercado y de contraparte en los valores de instituciones mexicanas. Por lo anterior, no se puede asegurar que los valores emitidos por el Banco no se verán afectados adversamente por eventos en otras partes del mundo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La economía global enfrenta un panorama de riesgos moderado en el ritmo de crecimiento y presiones inflacionarias, aun cuando éstas últimas se han ido incrementando, principalmente por los riesgos geopolíticos. Esta combinación representa un reto mayor para los bancos centrales en distintas regiones del mundo donde los escenarios de recorte de tasas pueden verse pausados o retardados. Los riesgos geopolíticos se han traducido en una mayor volatilidad e incertidumbre en los mercados financieros internacionales.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Cambio climático </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La ambición de Grupo HSBC (HSBC Holdings </span><span style="font-family:Arial; font-size:11pt">plc</span><span style="font-family:Arial; font-size:11pt">) es</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">convertirse en un banco con cero emisiones netas en 2050 respaldada en su Estrategia de Sustentabilidad. En línea con lo anterior, aspiran a lograr cero emisiones netas en sus operaciones propias y cadena de suministro para 2050. En HSBC México trabajamos con nuestros clientes para ayudarlos a reducir sus emisiones y adoptar soluciones bajas en carbono, mientras trabajamos en disminuir nuestras propias emisiones operativas. Este proceso implica un </span><span style="font-family:Arial; font-size:11pt">cambio gradual, a medida que las empresas y las economías se alejen progresivamente de las actividades intensivas en carbono.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La clave para lograrlo y desempeñar un papel de liderazgo en la transición es tener una sólida gobernanza para nuestra estrategia climática. Cada año fortalecemos nuestra gobernanza climática involucrando a los actores relevantes en la toma de decisiones. Con nuestra ayuda, las industrias y regiones intensivas en carbono pueden invertir y crear los modelos de negocios sustentables del futuro. Estamos utilizando nuestra red global e influencia para promover acciones sistémicas que promuevan la transición a una economía verde y ayuden a combatir y adaptarnos al cambio climático. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Grupo HSBC tiene la ambición global de proporcionar y facilitar entre USD$750,000 y USD$1,000,000 de financiamiento e inversión sostenibles para 2030, en búsqueda de apoyar este objetivo, HSBC Mexico ofrece un amplio catálogo de capacidades, servicios y productos en sus distintas líneas de negocio para ayudar a nuestros clientes e inversores a generar retornos, administrar sus riesgos y tomar ventaja de las oportunidades en aspectos ambientales, sociales, y de gobernanza (ASG). Algunos de los productos con los que ayudamos a nuestros clientes a adoptar practicas sustentables y de adaptación al cambio climático sin comprometer sus modelos de negocio,</span><span style="font-family:'Segoe UI'; font-size:9pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:11pt">van desde cartas de crédito para el comercio, hasta la emisión de bonos que incorporan factores ambientales, sociales y de gobierno corporativo. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En cuanto a la banca personal, hemos realizado un importante trabajo en posicionar productos que ayuden a cambiar los hábitos sustentables de nuestros clientes individuales, como la “Hipoteca HSBC Verde” y el “Crédito </span><span style="font-family:Arial; font-size:11pt">Inmediauto</span><span style="font-family:Arial; font-size:11pt"> Verde HSBC, enfocados a la adquisición de bienes de vivienda y automotriz eficientes y con menores emisiones de dióxido de carbono (CO</span><span style="font-family:Arial; font-size:7.33pt; vertical-align:sub">2</span><span style="font-family:Arial; font-size:11pt">). </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al mismo tiempo, contamos con el Fondo Bolsa Global Sustentable HSBCSGE, que invierte en valores internacionales de renta variable, siguiendo un criterio de selección de activos que busca maximizar la rentabilidad mediante inversiones consistentes con criterios de inversión sostenible, como los principios ambientales, sociales y de gobernanza (ASG). </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Contamos con un marco de gestión de riesgos climáticos que nos ayuda a comprender los riesgos físicos y de transición a los que estamos expuestos en nuestro portafolio de financiamiento en los distintos sectores económicos a los que damos servicios, además de la evaluación de estos mismos riesgos para nuestras oficinas y sucursales. Estas evaluaciones nos permiten identificar con suficiente tiempo los potenciales impactos de negocio y operativos que podemos enfrentarnos en un futuro a causa de los efectos climáticos derivados del calentamiento global. </span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2. FACTORES DE RIESGO RELACIONADOS CON EL NEGOCIO BANCARIO</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Competidores en servicios financieros</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco enfrenta una fuerte competencia con otras instituciones financieras mexicanas que atienden a los mismos segmentos de personas y empresas, así como instituciones financieras globales. Además, el Banco enfrenta y, probablemente, estará enfrentando una competencia por parte de nuevos bancos, autorizados para operar por la SHCP, así como de fusiones y adquisiciones de competidores ya existentes que, de alguna </span><span style="font-family:Arial; font-size:11pt">manera, atienden o pretenden atender a los mismos segmentos de personas y empresas que el Banco. Todo lo anterior, podría afectar adversamente la situación financiera y resultados de operación del Banco.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Cambios en regulación gubernamental</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cualquier cambio en leyes, políticas y/o estrategias gubernamentales relacionado con servicios y productos financieros ofrecidos por las instituciones de banca múltiple podría afectar la operación y el régimen jurídico del Banco, pudiendo afectar su negocio, situación financiera o resultados de operación.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las instituciones de crédito están sujetas a regulación para efectos de su organización, operación, capitalización, operaciones con partes relacionadas, reservas para pérdidas crediticias, diversificación de inversiones, niveles de índices de liquidez, políticas de otorgamiento de crédito, tasas de interés cobradas y disposiciones contables, entre otros aspectos. En el caso de que las regulaciones aplicables se modifiquen, sus efectos podrían tener un impacto desfavorable en el negocio, la situación financiera o los resultados de operación del Banco.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cualquier modificación en la legislación aplicable a las instituciones de banca múltiple que resulte en cambios para el cobro de comisiones, intereses u otro tipo de cobro relacionadas con sus productos y servicios, podría tener un impacto negativo en los resultados operativos y, consecuentemente, en la posición financiera del Banco y las demás instituciones de banca múltiple.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Calificaciones crediticias </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las calificaciones crediticias del Banco constituyen un componente importante de su perfil de riesgo. Entre otros factores, las calificaciones crediticias otorgadas al Banco se basan en su fortaleza financiera, cartera de crédito saludable, el nivel de estabilidad y recurrencia de ingresos, adecuados niveles de capitalización, eficiencia en la administración, la liquidez de nuestro balance y nuestra capacidad de tener acceso a una amplia gama de fuentes de financiamiento. Cualquier baja de calificación por parte de las Agencias calificadoras de riesgo que califican al Banco podría aumentar los costos de financiamiento de nuestras obligaciones existentes y futuras, así como dificultar la financiación en los mercados de deuda y capitales.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Ejecución de garantías </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La ejecución de las garantías otorgadas a favor del Banco por sus clientes con motivo de operaciones de crédito se realiza a través de procedimientos judiciales cuya duración puede variar dependiendo de los procesos legales de la entidad. Los retrasos o impedimentos para ejecutar garantías pueden afectar adversamente el valor de las mismas y con ello el negocio, la situación financiera o los resultados de operación del Banco. Es importante mencionar que los impactos están considerados en el cálculo de severidad de la pérdida de las provisiones de crédito de la cartera de crédito.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Estimación preventiva para riesgos crediticios </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La regulación bancaria en materia de crédito establece que las instituciones de banca múltiple deben calificar su cartera con base en el grado de riesgo evaluado según </span><span style="font-family:Arial; font-size:11pt">factores cualitativos y cuantitativos, con el fin de establecer las reservas crediticias correspondientes. El Banco cumple con las disposiciones vigentes para calificación de cartera y, a juicio de la administración, la estimación preventiva para riesgos crediticios es suficiente para cubrir cualquier pérdida que pudiera surgir de los préstamos incluidos en su cartera de crédito y de riesgos crediticios de avales y compromisos irrevocables de conceder préstamos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los créditos en Etapa 3 podrían afectar negativamente los resultados de operación del Banco. Sin embargo, este universo no representa, en la actualidad, un indicador que afecte la solidez o solvencia del Banco, ya que éste está bien capitalizado y cuenta con las provisiones suficientes. La estimación preventiva de riesgos crediticios actual es adecuada para cubrir posibles pérdidas en nuestra cartera de crédito, sin embargo, no existe ningún método exacto para predecir el aumento de cartera y pérdidas de crédito, por lo que, no podemos asegurar que nuestras estimaciones preventivas para riesgos crediticios serán suficientes para cubrir futuras o desconocidas pérdidas reales.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La regulación establece que el monto de reservas debe determinarse con base en las diferentes metodologías de calificación estándar para cada cartera o, mediante las metodologías de calificación interna autorizadas por la Comisión Nacional Bancaria y de Valores (Comisión). Asimismo, contempla que pueden crearse reservas adicionales que sean reconocidas por la Comisión, a fin de cubrir riesgos que no se encuentren previstos en las diferentes metodologías señaladas. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Riesgos derivados de la concentración de operaciones activas en determinados sectores o clientes </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco es una institución bancaria que opera bajo el concepto de "banca universal". Al cierre del año 2025 tiene operaciones activas en distintos sectores, incluyendo consumo, empresas, corporativos, gobierno e hipotecario. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">De igual manera, el Banco ofrece una gran diversidad de productos y servicios a sus distintos segmentos de clientes en puntos de venta distribuidos estratégicamente a lo largo del territorio nacional, lo que implica una diversificación geográfica importante. Por estas razones se considera que el Banco no está sujeto a ningún riesgo relacionado con la concentración de operaciones activas en determinados sectores o clientes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En la medida que las operaciones del Banco se concentren en determinados sectores o en el caso que un cliente o un grupo de clientes relacionados entre sí representen una parte importante de la cartera del Banco, factores que afecten adversamente a dicho sector o clientes, y que afecten su capacidad de pago, podrían afectar los ingresos del Banco, sus resultados operativos o la situación financiera del mismo. Véase “Principales Clientes”.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Liquidez </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La administración de Riesgo de Liquidez en una institución de crédito, tiene como principal objetivo garantizar que todos los compromisos, tanto contractuales como aquellos determinados con base en patrones de comportamiento y que requieran ser financiados puedan cumplirse a partir de fuentes de fondeo disponibles y seguras. Adicionalmente, la administración de liquidez se enfoca en mitigar la pérdida potencial que puede tener el banco ante la imposibilidad o dificultad de renovar pasivos o </span><span style="font-family:Arial; font-size:11pt">contratar otros pasivos en condiciones normales, así como la pérdida por la venta anticipada o forzosa de activos a descuentos inusuales en el mercado. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La gestión de liquidez incluye los siguientes elementos: </span><span style="width:14.67pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 54pt; text-indent:-18pt; text-align:justify; line-height:108%; font-size:11pt">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">El flujo de efectivo esperado para la institución, </span>
</p>
<p style="margin:0pt 0pt 0pt 54pt; text-indent:-18pt; text-align:justify; line-height:108%; font-size:11pt">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Su capacidad de tomar acciones de mitigación en caso de las salidas de efectivo inusuales, así como aquellas orientadas a obtener el fondeo en el mercado, </span>
</p>
<p style="margin:0pt 0pt 0pt 54pt; text-indent:-18pt; text-align:justify; line-height:108%; font-size:11pt">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">El inventario disponible de activos líquidos de alta calidad.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC con la finalidad de monitorear su riesgo de liquidez ha adoptado en línea con los principios de Basilea, el Coeficiente de Cobertura de Liquidez (CCL o LCR-</span><span style="font-family:Arial; font-size:11pt; font-style:italic">Liquidity</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Coverage</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> Ratio</span><span style="font-family:Arial; font-size:11pt">) diario y el Coeficiente de Financiamiento Estable Neto (CFEN o NSFR-</span><span style="font-family:Arial; font-size:11pt; font-style:italic">Net </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Stable</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Funding</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> Ratio</span><span style="font-family:Arial; font-size:11pt">) de forma mensual. Estos reportes se presentan al Comité de Activos y Pasivos (ALCO) y al Comité de Riesgos (RMM) de la institución.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Adicionalmente, con la finalidad de contar con un indicador que incorpore posibles escenarios de estrés tanto de mercado como idiosincráticos que pudieran representar un riesgo de liquidez, HSBC comenzó a emplear desde enero de 2021 la Métrica de Liquidez Interna (ILM por sus siglas en inglés), la cual incorpora escenarios de estrés a 90 días y acciones de recuperación 180 a 270, su resultado es monitoreado diariamente por la alta dirección y en forma mensual se presentan al Comité de Activos y Pasivos, así como al de Riesgos. </span>
</p>
<p style="margin:5pt 0pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La Institución ha desarrollado e implementado desde 2003 un Plan de Contingencia de Liquidez en donde se definen las posibles contingencias de liquidez, se establecen los responsables del plan, los pasos a seguir y se determinan las fuentes alternativas de fondeo a las que tendría acceso la Institución en caso de alguna contingencia. Este plan fue sustituido en 2015 por el Plan de Financiamiento de Contingencia requerido por la regulación local y por Grupo HSBC.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Es importante destacar que el cálculo y seguimiento de las métricas de riesgo de liquidez y fondeo se realizan de conformidad con las Disposiciones de Carácter General sobre los requerimientos de liquidez para las Instituciones de Banca Múltiple publicadas el 31 de diciembre de 2014 modificadas mediante resoluciones de fecha 31 de diciembre de 2015, 28 de diciembre de 2016, 23 de agosto de 2021 y 1 de marzo 2022. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Operaciones con moneda extranjera </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La reglamentación de Banco de México establece normas y límites a los bancos para mantener posiciones en monedas extranjeras activas o pasivas equivalentes a un máximo del 15% del capital básico del Banco. Así mismo, conforme la reglamentación, el Banco cumple las siguientes normas y límites para fines de operaciones en moneda extranjera:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">1. La admisión de pasivos en moneda extranjera no debe exceder del 183% del capital básico de la Institución.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2. El régimen de inversión de las operaciones en moneda extranjera exige mantener un nivel mínimo de activos líquidos, de acuerdo con una mecánica de cálculo establecida por Banxico, en función del plazo por vencer de las operaciones en moneda extranjera.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Aunque el Banco cumple con las disposiciones aplicables y sigue procedimientos para la administración de posiciones de riesgo en relación con sus actividades y movimientos bancarios y de tesorería, persiste un riesgo de posibles pérdidas con respecto a dichas posturas en el futuro, ante la eventualidad de una alta volatilidad en el tipo de cambio del Peso frente a otras monedas o en las tasas de interés, la cual podría tener un efecto adverso en el negocio, la situación financiera o los resultados de operación del Banco. Para mitigar este riesgo específico, el Banco cuenta con un Comité de Riesgos que monitorea de manera cotidiana la metodología y procedimientos para identificar, medir, supervisar, limitar, controlar, informar y revelar los riesgos por operaciones con moneda extranjera; y aprueba los límites específicos de exposición y los niveles de tolerancia al riesgo. Igualmente, el ALCO monitorea y controla los riesgos relevantes, como lo son las operaciones con moneda extranjera.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Requerimientos de Capital </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">El Banco podría requerir capital nuevo para planes de crecimiento, permanecer en un mercado competitivo, lanzar nuevos productos, mantener los niveles regulatorios de capital establecidos por la autoridad y cubrir pérdidas derivadas de la actividad propia del Banco en el capital contable. La capacidad del Banco para cubrir estos requerimientos de capital depende de varios factores como son: (1) su posición financiera, resultados de operación y flujos de efectivo, (2) la autorización previa de la autoridad reguladora, (3) las condiciones generales del mercado y (4) las condiciones políticas y/o económicas en México.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Incumplimiento de capital mínimo e índice de capitalización </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La LIC exige al Banco mantener un capital neto que en ningún caso sea inferior a la cantidad que resulte de sumar los requerimientos de capital, dichos requerimientos se establecen dentro de la Circular Única de Bancos y corresponden a los riesgos de crédito, de mercado, operacional y otros en que incurran en Banco por su operación.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En el caso de que no se cumpla con dichos requerimientos de capitalización podrían presentarse dos escenarios de riesgo: (i) de conformidad con lo establecido por el artículo 122 de la LIC la CNBV podría ordenar la aplicación de medidas correctivas mínimas que, de incumplirse o en caso incumplirse reiteradamente, de conformidad con lo establecido por la fracción IV del artículo 28 de la LIC, la SHCP podría declarar la revocación de la autorización otorgada al Banco para organizarse y operar como institución de banca múltiple; y (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) de conformidad con lo establecido por la fracción V del artículo 28 de la LIC, también podría ser una causal de revocación el hecho de que el Banco no cumpla con el Índice de Capitalización mínimo requerido.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La imposición de cualquiera de las medidas correctivas antes mencionadas, así como la revocación de la autorización otorgada al Banco para operar como institución de banca múltiple, podría afectar adversamente la situación financiera y los resultados de operación del Banco, limitando así la capacidad de pago de sus obligaciones. No obstante, lo anterior, las autoridades financieras mexicanas, a través de regulación actual han tratado de establecer ciertos mecanismos para detectar oportunamente los </span><span style="font-family:Arial; font-size:11pt">problemas financieros de las instituciones de banca múltiple, derivados de insolvencia o falta de liquidez, a fin de preservar el valor de los activos del Banco en protección del interés del público.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En este sentido, el 31 de diciembre de 2015 se publicó la metodología para determinar a las instituciones de banca múltiple que tengan importancia sistémica local y así clasificarlas en el grado que les corresponda en función de su presencia dentro del sistema financiero mexicano. Dicha modificación incluyó tanto los requisitos de absorción de perdidas adicionales que las instituciones deben aplicar a través de la constitución del Suplemento de Conservación de Capital</span><a href="#_ftn1"><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">[1]</span></a><span style="font-family:Arial; font-size:11pt"> y adicionalmente las medidas que habrán de tomarse en caso de que estas entren en estado de insolvencia. Asimismo, y como medida para fortalecer la calidad de capital, se publicó durante abril de 2016 un suplemento de capital adicional a fin de que, en condiciones adversas en los mercados financieros, el crédito bancario no se relacione con el crecimiento de la economía (Suplemento de Capital </span><span style="font-family:Arial; font-size:11pt">Contracíclico</span><a href="#_ftn2"><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">[2]</span></a><span style="font-family:Arial; font-size:11pt">).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Posteriormente, la CNBV publicó con fecha del 1° de agosto de 2016 una nueva modificación para establecer plazos con respecto a la constitución del Suplemento de Capital </span><span style="font-family:Arial; font-size:11pt">Contracíclico</span><span style="font-family:Arial; font-size:11pt">. En específico, se identifica que:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">En el supuesto de que las instituciones de crédito estén en posibilidad de constituir en un plazo de cuatro años el Suplemento de Capital </span><span style="font-family:Arial; font-size:11pt">Contracíclico</span><span style="font-family:Arial; font-size:11pt"> al que se encuentran obligadas, la Circular Única de Bancos establece los porcentajes que les corresponden dentro del plazo señalado.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Adicionalmente se precisó el plazo de proyección para el ejercicio de la evaluación de suficiencia de capital que las instituciones de banca múltiple deben presentar a la Comisión Nacional Bancaria y de Valores, y este debe coincidir con aquel que las instituciones realizan conforme a sus propios escenarios, siendo este de 10 trimestres. </span>
</li>
</ul>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Adicionalmente, durante 2016 y con el objeto de afianzar la estabilidad financiera del sistema bancario en su conjunto, así como de dar cumplimiento a los acuerdos del Comité de Supervisión Bancaria de Basilea, se estableció la metodología para calcular la razón de apalancamiento de las instituciones de crédito y la obligación de revelarla de manera trimestral. Posteriormente, dentro de la resolución modificatoria publicada en 2018, se estableció como una sana práctica bancaria que las instituciones de banca múltiple mantengan una Razón de Apalancamiento mayor al 3% ya que, en caso </span><span style="font-family:Arial; font-size:11pt">contrario, esta razón reflejaría un nivel de activos que no estarían soportados por el capital.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Publicaciones en el Diario Oficial de la Federación relacionadas con requerimientos de capital </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Publicaciones en el DOF durante 2025</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Durante el último mes del 2025, la CNBV publicó en el DOF dos resoluciones que modificaron el Marco de Grandes Exposiciones y las normas procedimentales para determinar el requerimiento de capital por riesgo de crédito mediante el método estándar. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La resolución que modificó el marco de Grandes Exposiciones incorporó una nueva definición dentro del alcance del marco relativa a las exposiciones con Institución Bancaria del Exterior y modificó las definiciones existentes relacionadas a Financiamiento, Grandes Exposiciones e Institución de Importancia Sistémica Global (G-</span><span style="font-family:Arial; font-size:11pt">SIBs</span><span style="font-family:Arial; font-size:11pt">). Por otra parte, se fortalecieron los requerimientos de gestión de riesgos para evaluar y controlar los criterios de Interdependencia Económica; se amplió la aplicabilidad de exposiciones con Sociedades Financieras de Objeto Múltiple con las que se mantengan vínculos patrimoniales y también se excluyó de los financiamientos exentos a todas las exposiciones con estados y municipios. Finalmente, se realizó una revisión general a la información que se debe revelar al público relacionada con este marco y es importante resaltar que, a través de los artículos transitorios la autoridad instruyo presentar a más tardar el 1 de marzo de 2026 los ajustes al reporte A-3511 de la Serie R35 de Grandes Exposiciones. Las modificaciones de esta publicación generaron ajustes en el reporte regulatorio de Grandes Exposiciones y en las normas procedimentales para determinar la correcta diversificación de riesgos en la realización de operaciones activas.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Con respecto a la resolución modificatoria relacionada con el requerimiento de capital por riesgo de crédito determinado a través del método estándar, la CNBV realizó cambios que, en términos generales, se encuentran alineados con los estándares de Basilea publicados por el Comité de Supervisión Bancaria de Basilea (BCBS, por sus siglas en inglés). Algunos de los cambios más relevantes de esta resolución son: </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Ampliación del alcance del término “Operaciones Sujetas a Riesgo de Crédito” para incluir ciertas cuentas por pagar, así como, ciertos pagos anticipados y cargos diferidos.</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Aclaración sobre el tratamiento de las exposiciones con fideicomisos.</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 35.4pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Modificaciones para simplificar los procedimientos de aplicación de ponderadores de riesgo que se determinan con el uso de</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">calificación crediticia de una Institución Externa de Evaluación Crediticia (ECAI, por sus siglas en inglés).</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 35.4pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cambios en los ponderadores de riesgo aplicables a las exposiciones clasificadas en el Grupo de Riesgo VII.</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Modificaciones a los criterios para clasificar a las personas morales como exposiciones pertenecientes al Grupo de Riesgo VII.</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 14.2pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Por medio de artículos transitorios la autoridad proporciono hasta 90 días después de la entrada en vigor para ajustar los cambios establecidos en la referida resolución. Las modificaciones de esta publicación generaron impactos en ajustes en el reporte regulatorio de Grandes Exposiciones y en las normas procedimentales para determinar la correcta diversificación de riesgos en la realización de operaciones activas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Publicaciones en el DOF durante 2024</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Durante el primer trimestre del 2024, la CNBV publicó en el DOF la resolución que modifica el inciso n), fracción I del artículo 2 bis 6 de la Circular Única de Bancos, relacionada con la inclusión de los cargos diferidos y los pagos anticipados con un plazo remanente de afectación a resultados igual o menor a un año como conceptos que no se deben considerar dentro de la correspondiente deducción al Capital Neto del Banco. La modificación entró en vigor el 8 de febrero del 2024. Las modificaciones de esta publicación generaron impactos en la determinación del Índice de Capitalización.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 14 de agosto del 2024 la CNBV publicó en el DOF la resolución modificatoria relativa a la determinación del requerimiento de capital por Riesgo Operacional. Dicha publicación modifica los siguiente:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-indent:-9pt; text-align:justify; padding-left:9pt">
<span style="font-family:Arial; font-size:11pt">• Se propuso incluir 3 nuevas variables en el Resultado de Compraventa del Componente Financiero (“CF”). De acuerdo con el regulador, el objetivo es tener mayor consistencia con el estándar de Basilea en esta materia y reducir la volatilidad del componente.</span>
</p>
<p style="margin:0pt; text-indent:-9pt; text-align:justify; padding-left:9pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-indent:-9pt; text-align:justify; padding-left:9pt">
<span style="font-family:Arial; font-size:11pt">• Dentro del Anexo 1-D Bis se estableció el requisito adicional de presentar ante la CNBV la revisión y validación de las políticas, procesos y procedimientos específicos para la identificación, recopilación y tratamiento de la información relacionada con las pérdidas internas por Riesgo Operacional, así como del proceso para la ejecución del cálculo del requerimiento de capital por Riesgo Operacional realizado por los auditores externos dentro de los 20 días hábiles posteriores a la presentación de resultados al Comité de Riesgos.</span>
</p>
<p style="margin:0pt; text-indent:-9pt; text-align:justify; padding-left:9pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-indent:-9pt; text-align:justify; padding-left:9pt">
<span style="font-family:Arial; font-size:11pt">• Se agregó el nuevo requisito de presentar las correspondientes políticas internas en caso de solicitar la autorización ante la CNBV para las exclusiones de eventos de perdidas por Riesgo Operacional de la base de datos histórica. </span>
</p>
<p style="margin:0pt; text-indent:-9pt; text-align:justify; padding-left:9pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-indent:-9pt; text-align:justify; padding-left:9pt">
<span style="font-family:Arial; font-size:11pt">• Se agregaron artículos que establecen los lineamientos que las instituciones de crédito recién autorizadas o que estén en proceso de fusión o escisión deben seguir para determinar sus requerimientos de capital por Riesgo Operacional.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las modificaciones de esta publicación generaron impactos menores en la determinación del Índice de Capitalización.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 27 de diciembre de 2024, la CNBV eliminó el reporte regulatorio A-2815 “Asignación del Método del Indicador de Negocio para Riesgo Operacional” relacionado con la revelación de los Componentes del Indicador de Negocio. Dicha modificación tuvo efectos a partir del día siguiente a su publicación. La CNBV aclaró que la eliminación de </span><span style="font-family:Arial; font-size:11pt">este reporte implica una simplificación que evita duplicidades con los reportes existentes e impactó positivamente en las tareas administrativas de HSBC México.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Publicaciones en el DOF durante 2023</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A partir del 1 de enero 2023, entró en vigor la Resolución Modificatoria que establece el Método del Indicador de Negocio, el cual es un método más preciso y sensible, para calcular el requerimiento de capital por exposición a Riesgo Operacional. Se eliminan los demás métodos que estuvieron vigentes y al mismo tiempo se mantiene el marco de capital del sistema financiero mexicano alineado a los estándares prudenciales internacionales emitidos por el Comité de Basilea de Supervisión Bancaria. Si bien es cierto esta regulación fue publicada en 2020, esta entró en vigor hasta 2023. La implementación de este nuevo método para determinar la capitalización por Riesgo Operacional impacto de forma significativa la determinación del Índice de Capitalización.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">También en enero de 2023, se publicó el tratamiento que deben aplicar los Bancos a los bienes objeto de las garantías denominados en moneda nacional y cuyo rendimiento esté referido a tasas de interés nominales, con el propósito de reflejar que dicho riesgo deberá ser capitalizado por quien conserve tanto los beneficios económicos como el riesgo de fluctuaciones en su precio. Esta modificación afecta a los grupos de riesgo que se utilizan para el cálculo de los requerimientos de capital por riesgo de mercado y por ende la determinación del Índice de Capitalización.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Más tarde en abril 2023, la CNBV publicó en el DOF la Resolución Modificatoria que pretende implementar en la normatividad mexicana el estándar internacional para grandes exposiciones al riesgo de crédito publicado por el Comité de Supervisión Bancaria de Basilea, el cual busca limitar la pérdida máxima frente a una contraparte o grupo de contrapartes interconectadas que, por su tamaño, pudieran poner en peligro la solvencia y la operación continua del Banco y, con ello, evitar la posible dispersión entre instituciones de importancia sistémica local o global.</span><span style="font-family:Arial; font-size:11pt"> La implementación de este nuevo marco impactó significativamente las normas procedimentales para la determinación de la correcta diversificación de riesgos en la realización de operaciones activas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En el tercer trimestre del 2023 la CNBV sustituyó dentro de</span><span style="font-family:Arial; font-size:11pt"> la Circular Única de Bancos </span><span style="font-family:Arial; font-size:11pt">las referencia al salario mínimo como unidad de cuenta, índice, base, medida o referencia para determinar la cuantía de obligaciones por las relativas a la Unidad de Medida y Actualización. Esta modificación no generó algún impacto.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A finales del año 2023, la CNBV derogó la Serie R36 Pagos Anticipados del Anexo 36 de la Circular Única de Bancos, la cual contiene el reporte “A-3601 Detalle de las erogaciones o gastos cuyo reconocimiento se difiera en el tiempo”, lo anterior deja dicha serie sin efectos. </span><span style="font-family:Arial; font-size:11pt">La eliminación de este reporte implica una simplificación administrativa e impactó positivamente en las tareas administrativas de HSBC México.</span>
</p>
<p style="margin:5pt 0pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Nuevos desarrollos en materia de sostenibilidad </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 16 de marzo de 2023, la Secretaría de Hacienda y Crédito Público presentó un Sistema de clasificación que permite identificar y definir actividades, activos o proyectos de inversión con impactos medioambientales y sociales positivos, con base en metas y criterios establecidos. Se establece como marco de referencia sirva para distintos productos, mercados, esquemas de financiamiento y mecanismos de reporteo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los usuarios potenciales es la totalidad del sistema financiero mexicano y sus actores interesados son a) Empresas; b) Instituciones de crédito y c) Inversionistas institucionales.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Asimismo, el 31 de agosto de 2023 el Consejo Mexicano de Normas de Información Financiera y de Sostenibilidad (CINIF) emitió dos proyectos para auscultación de Normas de Información de Sostenibilidad (NIS), la NIS 1, Normas generales para la revelación de información de sostenibilidad; y la NIS 2, Revelación de Indicadores Básicos de Sostenibilidad (IBSO). El CINIF pretende que estas normas proporcionen a las entidades elementos para identificar sus riesgos y oportunidades relacionados con sostenibilidad, así como la infraestructura necesaria para generar información suficiente para su administración.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:9pt; font-weight:normal; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Dependencia de un solo segmento de negocio. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco cuenta con cuatro segmentos de negocio, los cuales son: Banca de Consumo y Patrimonial, Banca de Empresas e Instituciones, Servicios de Mercados y Valores y la Tesorería. El porcentaje de aportación a la utilidad antes de impuestos del Banco, al 31 de diciembre de 2025, se muestra a continuación: Banca de Consumo Patrimonial 18.1%, Banca de empresas 59.6%, Servicios de Mercado y Valores 11.7% y la Tesorería (</span><span style="font-family:Arial; font-size:11pt">Corporate</span><span style="font-family:Arial; font-size:11pt"> Center) 10.6%. Como conclusión podemos decir que la emisora no depende de una sola línea de negocio, sino que está bien diversificada por sus cuatro segmentos de negocio.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">3. FACTORES DE RIESGO RELACIONADOS CON HSBC MÉXICO</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Variaciones significativas en las tasas de interés, tipo de cambio y otros indicadores</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
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<span style="font-family:Arial; font-size:11pt">El Banco realiza inversiones en bonos denominados en Pesos, Dólares, otras monedas y/o </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">, a una tasa de interés fija, variable o indexada a otros indicadores. Un aumento significativo de la inflación, volatilidad en el tipo de cambio del Peso frente a cualquier moneda en la que el Banco mantenga inversiones y/o variaciones en las tasas de interés pueden resultar en pérdidas financieras, en una disminución de los ingresos o pérdidas para el Banco.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Asimismo, el Banco otorga financiamientos denominados en Pesos, Dólares o </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">, sujetos a tasas de interés fijas o variables. Apreciaciones significativas del Peso frente al Dólar podrían resultar en una disminución de los ingresos del Banco por sus operaciones activas o en mayores ingresos en caso de devaluación. Asimismo, un aumento significativo de la inflación puede aumentar los ingresos del Banco derivados de créditos denominados en </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">, pero pueden incrementar los niveles de cartera en etapa 3 de los mismos.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">En consideración a estos riesgos, Grupo HSBC ha creado un comité a nivel global y local para la administración de activos y pasivos denominado ALCO (por sus siglas en inglés, </span><span style="font-family:Arial; font-size:11pt">Assets</span><span style="font-family:Arial; font-size:11pt"> and </span><span style="font-family:Arial; font-size:11pt">Liabilities</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Committee</span><span style="font-family:Arial; font-size:11pt">), el cual tiene como funciones principales:</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Proveer de dirección estratégica y asegurar un crecimiento táctico del balance mediante una estructura que permita lograr los objetivos dentro de los límites establecidos.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Monitorear y controlar todos los riesgos relevantes relativos a la liquidez, capital y riesgo de tasa.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Proveer la información necesaria para tomar decisiones informadas.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Proveer un foro para discutir problemas, facilitar el trabajo en equipo entre departamentos, resolver problemas específicos de precios de transferencia y distribución de recursos.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Revisar el desempeño real del banco contra los pronósticos, planes y políticas disponibles.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Hacer una revisión general de la contratación y asignación de fondos.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Determinar el entorno bancario más probable para la planeación futura de activos y pasivos, así como realizar planes de contingencia.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Revisar y tomar acción sobre los siguientes temas:</span>
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<p style="margin:0pt 0pt 0pt 53.4pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Courier New'; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Estrategias de precios </span>
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<p style="margin:0pt 0pt 0pt 53.4pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Courier New'; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Estrategias de procuración y asignación de fondos</span>
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<p style="margin:0pt 0pt 0pt 53.4pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Courier New'; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Distribución de activos y pasivos, así como su duración</span>
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<p style="margin:0pt 0pt 0pt 53.4pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Courier New'; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Posición y tamaño de exposición a tasa de interés</span>
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<p style="margin:0pt 0pt 0pt 53.4pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Courier New'; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Niveles de Liquidez</span>
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<p style="margin:0pt 0pt 0pt 53.4pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Courier New'; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Racionalización de las compañías</span>
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<p style="margin:0pt 0pt 0pt 18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Proveer dirección sobre problemas identificados en otros comités.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">El ALCO es presidido por el DGA de Finanzas y se integra de la siguiente forma al 31 de diciembre de 2025:</span>
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<p style="margin:0pt 0pt 6pt 36pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold; font-style:italic">NOMBRE DEL COMITÉ:</span><span style="font-family:Arial; font-size:9pt; font-weight:bold; font-style:italic"> </span><span style="font-family:Arial; font-size:9pt; font-weight:bold; font-style:italic"> </span><span style="font-family:Arial; font-size:9pt; font-weight:normal">Comité de Activos y Pasivos</span>
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<p style="margin:0pt 0pt 6pt 36pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Integrantes:</span>
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<span style="font-family:Arial; font-size:9pt; font-weight:bold">Nombre</span>
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<span style="font-family:Arial; font-size:9pt; font-weight:bold">Puesto</span>
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<span style="font-family:Arial; font-size:9pt; font-weight:bold">Función</span>
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<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">Jorge Arturo Arce Gama</span>
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<span style="font-family:Arial; font-size:9pt">Director General (CEO)</span>
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<span style="font-family:Arial; font-size:9pt">Miembro </span>
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<span style="font-family:Arial; font-size:9pt">María Isabel </span><span style="font-family:Arial; font-size:9pt">Ganduglia</span>
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<span style="font-family:Arial; font-size:9pt">DGA Finanzas (CFO)</span>
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<span style="font-family:Arial; font-size:9pt">Presidente </span>
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<span style="font-family:Arial; font-size:9pt">Guillermo Roberto </span><span style="font-family:Arial; font-size:9pt">Colquhoun</span>
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<span style="font-family:Arial; font-size:9pt">DGA Riesgos y Cumplimiento (CRO)</span>
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<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">Miembro </span>
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<span style="font-family:Arial; font-size:9pt">Vacante</span>
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<span style="font-family:Arial; font-size:9pt">DGA Banca de Consumo</span>
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<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">Miembro </span>
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<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">Juan Carlos Pérez Rocha Ituarte</span>
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<span style="font-family:Arial; font-size:9pt">DGA Banca Mayorista </span>
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<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">Miembro </span>
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<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">Luis Eugenio Alvarado Mejía</span>
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<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">DGA Mercados y Servicios de Valores</span>
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<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">Miembro</span>
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<span style="font-family:Arial; font-size:9pt">Carlos González </span><span style="font-family:Arial; font-size:9pt">Fillad</span>
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<span style="font-family:Arial; font-size:9pt">Director de Soluciones de Pagos Globales</span>
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<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">Miembro</span>
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<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">Bárbara </span><span style="font-family:Arial; font-size:9pt">Pickering</span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt"> </span>
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<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">DGA Estrategia y Planeación</span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt"> </span>
</p>
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<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:73pt">
<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">Miembro</span>
</p>
</td>
</tr>
<tr style="height:13.35pt">
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-left-color:#000000; border-left-style:dotted; border-left-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:4.9pt; padding-right:4.9pt; vertical-align:middle; width:159.9pt">
<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">Alfredo Sordo</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:179.95pt">
<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">Director de Tesorería Global</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:73pt">
<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">Secretario</span>
</p>
</td>
</tr>
</tbody>
</table>
<p style="margin:0pt 0pt 0pt 35.45pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para fortalecer las decisiones tomadas, los Comités de Activos y Pasivos locales, como el caso de México, reportan directamente a la Dirección Central de Finanzas del Grupo en Londres.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<br style="page-break-before:always; clear:both" /><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Coincidencia entre las características de las operaciones pasivas y activas </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">El Banco otorga financiamientos denominados en Pesos, Dólares o </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">, sujetos a tasas de interés variables y fijas, a largo, mediano y corto plazo, y lleva a cabo inversiones en bonos denominados en Pesos, Dólares, otras monedas y/o </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">, a una tasa de interés fija, variable o indexada a otros indicadores y con plazos de vencimiento distinto. De la misma manera, las operaciones pasivas del Banco tienen características muy variables en cuanto al plazo, tasa y denominación. La falta de coincidencia entre las operaciones activas y pasivas del Banco, podría tener un efecto adverso en el negocio, la situación financiera o los resultados de operación del Banco.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">El Banco implementa estrategias para mantener, directa o indirectamente a través de operaciones financieras derivadas, un equilibrio entre sus operaciones activas y sus operaciones pasivas para reducir riesgos de falta de liquidez y estar en posibilidad de hacer frente a sus obligaciones.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">El riesgo de liquidez se genera principalmente por las brechas en los vencimientos de los activos y pasivos del Banco. Las operaciones pasivas de depósitos de clientes, tanto a la vista como a plazo, tienen vencimientos distintos de las operaciones activas de colocación de crédito e inversiones en valores.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">El Banco tiene implementados límites de razones financieras de liquidez, tanto en moneda nacional como en Dólares. Estas razones financieras son calculadas diariamente y comparadas con los límites autorizados por el ALCO y confirmados por la dirección de Grupo Financiero HSBC. Adicionalmente el Banco realiza una revisión diaria de los compromisos de efectivo y evalúa los requerimientos de los principales clientes para la diversificación de fuentes de fondeo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">El Banco tiene implementado un plan de financiamiento de contingencia, donde se definen las posibles contingencias, se establecen los responsables de la implementación del plan, los pasos a seguir en caso de una contingencia significativa y se determinan las fuentes alternativas de fondeo a las que tendría acceso la institución en caso de alguna contingencia.</span>
</p>
<p style="margin:0pt; text-align:justify; widows:0; orphans:0">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify; widows:0; orphans:0">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Resoluciones judiciales, administrativas o arbitrales adversas al Banco </span>
</p>
<p style="margin:0pt; text-align:justify; widows:0; orphans:0">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify; widows:0; orphans:0">
<span style="font-family:Arial; font-size:11pt">El Banco podría estar sujeto a procedimientos judiciales, administrativos o arbitrales como resultado de sus operaciones. El inicio de un número significativo de dichos procedimientos o de procedimientos relevantes, podría, en caso de que sean resueltos de manera adversa a los intereses del Banco, afectar su posición financiera y resultados operativos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Revocación de la autorización </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En caso de que el Banco incurriere en alguna de las causales de revocación previstas en el artículo 28 de la LIC, pudiera verse sujeto a que la CNBV revoque la autorización para constituir y operar una institución bancaria, ante lo cual la Junta de Gobierno del IPAB determinaría el método de resolución de la institución bancaria de acuerdo con el artículo 148 de la LIC. En este caso, la Junta de Gobierno del IPAB puede determinar </span><span style="font-family:Arial; font-size:11pt">llevar a cabo operaciones de saneamiento financiero si el cierre de la institución implica un riesgo sistémico de conformidad con el artículo 29 Bis 6 de la LIC, de lo contrario el IPAB realizará la liquidación de la institución a través de cualquiera de las siguientes operaciones, o una combinación de éstas, de acuerdo al artículo 186 de la LIC: (a) transferir el pasivo y activo de la institución bancaria en liquidación a otra institución bancaria directa o indirectamente a través de un fideicomiso establecido para dichos efectos; (b) constituir, organizar y administrar una nueva institución bancaria que sea propiedad y esté operada directamente por el IPAB, de acuerdo con los Artículos 27 Bis 1 al 27 Bis 6 de la LIC, con el propósito exclusivo de transferir el pasivo y activo de la institución bancaria en liquidación; o (c) cualquier otra alternativa que pudiera determinarse dentro de los límites y condiciones que estipula la LIC que el IPAB considere como la opción más conveniente y menos costosa, a fin de proteger los intereses de los ahorradores bancarios.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Impuestos a la utilidad y participación de los trabajadores en la utilidad (PTU) </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Conforme a la Ley del Impuesto sobre la Renta (Ley del ISR), vigente hasta el 31 de diciembre de 2025, la tasa del ISR es del 30%. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A partir del ejercicio de 2014 la base de cálculo de la PTU causada será la utilidad fiscal que se determine para efectos de ISR, de conformidad con el artículo 9 de la Ley del ISR, la cual para el año terminado al 31 de diciembre de 2025 el Banco obtuvo utilidad fiscal y, por lo tanto, generó PTU por pagar. La tasa de PTU vigente es del 10%.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">No obstante, para la determinación de la PTU el Banco observó la reforma publicada en el Diario Oficial de la Federación (DOF) el 23 de abril de 2021 en materia de subcontratación laboral, en la cual se incluyó una modificación para la determinación de la PTU, estableciendo límites máximos, consistentes en la cantidad que resulte más favorable para el trabajador entre: los tres meses del salario percibido o del promedio de la PTU recibida en los últimos tres años.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">No es posible garantizar que no existan futuros cambios en la Ley del ISR que modifiquen la tasa impositiva o los conceptos que se permitan deducir de dicho impuesto, al igual que no es posible garantizar que no existan futuros cambios en la tasa de PTU. Cualquier cambio en este sentido podría tener un impacto en los resultados del Banco.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Lucha contra el crimen financiero. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La lucha contra el crimen financiero se mantiene como un tema prioritario para HSBC. Durante 2025, la institución continuó destinando gran parte de su atención y recursos humanos y financieros para fortalecer aún más y mantener a la vanguardia sus capacidades de prevención de delitos financieros, entre los que se incluyen: lavado de dinero, financiamiento al terrorismo, corrupción, evasión de impuestos y fraude, entre otros. La institución cuenta con un equipo experto y un programa maduro de prevención de crimen financiero que permiten una gestión adecuada del riesgo. Con un enfoque basado en riesgo consistente con la expectativa regulatoria se tiene una comprensión detallada de los riesgos a los que HSBC está expuesto y se cuenta con los controles necesarios para mitigarlos. Por otra parte, la institución ha buscado colaborar con otros bancos y con las autoridades competentes para que en conjunto se implementen más iniciativas y se obtengan mejores resultados que beneficien tanto a la industria como al </span><span style="font-family:Arial; font-size:11pt">país. El compromiso de HSBC respecto a este tema es total tanto con sus clientes, como con los accionistas y comunidades en las que opera.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Riesgo Operacional</span><span style="font-family:Arial; font-size:11pt; font-style:italic">. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC define los riesgos no financieros u operacionales como el riesgo de sufrir una pérdida (directa o indirecta) derivado de personas, procesos, datos o sistemas (ya sea porque estos procesos, datos o sistemas son inadecuados o tienen falla), o eventos externos. Estos riesgos surgen durante las operaciones cotidianas y pueden impactar la administración de los riesgos financieros. Los riesgos no financieros u operacionales exponen a pérdidas financieras directas, pobre calidad de servicio al cliente, comentarios adversos por parte de los medios de comunicación, la censura o multa normativa, entre otros. En HSBC México, el riesgo no financiero u operacional se relaciona con todos los aspectos del negocio y abarca un amplio rango de temas. El objetivo de la administración de riesgos no financieros u operacionales de HSBC México es garantizar que estos riesgos sean identificados, evaluados y mitigados. HSBC México gestiona dichos riesgos eficientemente acorde a su apetito al riesgo definido. Lo anterior con el objetivo de hacer negocios dentro de un entorno de riesgos controlados y monitoreados, además de proporcionar niveles aceptables de aseguramiento sobre el cumplimiento de los objetivos institucionales en cuanto a la efectividad y eficiencia de las operaciones, en cumplimiento con la regulación local y del Grupo HSBC. El marco de gestión de riesgos no financieros u operacionales establece la forma de administrar dichos riesgos en todas las áreas de HSBC México. El marco para la administración de riesgos no financieros u operacionales se basa en los siguientes pasos: definir y habilitar, identificar y evaluar, administrar, agregar e informar y gobernar.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Carteras y portafolios a los que se les está aplicando </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El marco para la administración de riesgos no financieros u operacionales aplica para todas las líneas de negocio (banca minorista y banca corporativa e institucional) así como a las áreas que les brindan soporte.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Apetito para riesgos no financieros u operacionales </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El apetito para riesgos no financieros u operacionales es un mecanismo importante para que la alta dirección determine qué nivel de riesgo es aceptable y si se requieren acciones para mitigar dichos riesgos. Es medido por puntos de intervención definidos, los cuales representan los niveles en los que debe aplicarse una mejora en la administración de riesgos, así como acciones de remediación, estos puntos de intervención también determinan cuándo el banco pasa de un estado de apetito de riesgo a otro, según el indicador correspondiente. Por ejemplo, un Detonante de Advertencia es el punto en el que el Banco sale del apetito objetivo y pasa a estar fuera de apetito. Los puntos de intervención son:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Detonante de Advertencia de Riesgos No Financieros u Operacionales: </span><span style="font-family:Arial; font-size:11pt">Define el nivel de riesgo residual en el que nos movemos más allá del límite superior del apetito objetivo y entramos en un nivel que está fuera de apetito. Es aprobado por el Comité de Riesgos y Consejo de Administración de HSBC México por lo menos de manera anual (puede existir una mayor frecuencia dependiendo de los cambios que se apliquen sobre los límites aprobados de manera anual). El traspaso de este detonante indica que el Banco opera fuera de Apetito, en un estatus “ámbar” establecido.</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Tolerancia de Riesgos No Financieros u Operacionales:</span><span style="font-family:Arial; font-size:11pt"> Define el límite superior de riesgo residual que debe respetarse. Un incumplimiento significa que el Banco se enfrenta a niveles inaceptables de riesgo. Esto desencadenará una escalación y medidas de mitigación reforzadas. Es aprobado por el Comité de Riesgos y Consejo de Administración de HSBC México por lo menos de manera anual (puede existir una mayor frecuencia dependiendo de los cambios que se apliquen sobre los límites aprobados de manera anual). El traspaso de este límite indica que el Banco opera fuera de Tolerancia, en un estatus “rojo”.</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A partir de enero 2023 la entidad utiliza el Método del Indicador de Negocio para el cálculo del requerimiento de capital por su exposición al riesgo operacional, de acuerdo con las disposiciones vigentes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Alcance y naturaleza de los sistemas de información y medición de los riesgos y su reporte.</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los riesgos no financieros u operacionales se administran a través del sistema Helios del cual se extrae la información considerada prudente para informar a la Alta Gerencia, Comité de Riesgos y Consejo de Administración.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Política de cobertura y/o mitigación de riesgo operacional. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La gestión de los riesgos no financieros u operacionales es responsabilidad pri</span><span style="font-family:Arial; font-size:11pt">maria</span><span style="font-family:Arial; font-size:11pt"> de todos los empleados de HSBC México. Los dueños de los riesgos son los máximos responsables de gestionarlos de manera eficiente y eficaz (incluye eventos de pérdida por riesgo operacional) de conformidad con la normativa vigente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">4. RIESGOS RELACIONADOS CON LOS CERTIFICADOS BURSÁTILES BANCARIOS EMITIDOS </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Riesgos de mercado relacionados con fluctuaciones en las tasas de interés, tipos de cambio y operaciones financieras derivadas. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC enfrenta riesgos relacionados con variaciones en las tasas de interés y en los tipos de cambio. Estas variaciones podrían afectar al valor de los activos y pasivos del Emisor y sus Subsidiarias. De igual forma, por su naturaleza financiera como institución de crédito, HSBC celebra de manera habitual operaciones con instrumentos financieros derivados tanto para cubrir sus riesgos (entre otros, de variación en las tasas de interés o en el tipo cambiario) como operaciones con propósitos de especulación para cubrir los riesgos de terceros. Estos derivados se pueden concertar en mercados organizados o mediante derivados </span><span style="font-family:Arial; font-size:11pt">over-the-counter</span><span style="font-family:Arial; font-size:11pt"> tanto con contrapartes financieras como no financieras, nacionales o extranjeras, según lo autorizado por el Banco de México. Estos derivados pueden, dependiendo de los movimientos de los factores de riesgos, estar sujetos a llamadas de margen en el caso de que la valuación negativa para HSBC sea superior a un monto previamente establecido.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<br style="page-break-before:always; clear:both" /><span style="font-family:Arial; font-size:11pt; font-weight:bold">Riesgos Relativos a los Certificados Bursátiles </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El riesgo más importante en la Emisión de Certificados Bursátiles Bancarios es el de tasa de interés. Debido a que es un instrumento que estará sujeto a la valuación diaria, utilizando el precio del vector, un aumento importante en la tasa de interés genera una baja en el precio, con el efecto en el valor de mercado de los Certificados Bursátiles Bancarios.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Mercado limitado de los Certificados Bursátiles Bancarios. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En general, no existe un mercado secundario activo y líquido para los Certificados Bursátiles Bancarios. Es probable que dicho mercado no se desarrolle una vez finalizada la oferta y colocación de los Certificados Bursátiles Bancarios.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El precio al cual se pueden negociar los Certificados Bursátiles Bancarios es afectado por diversos factores, como son: (i) la tasa de interés; (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) cambios en el régimen fiscal; o (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) condiciones económicas financieras prevalecientes en México, entre otros. Por lo anterior, no es posible asegurar que los Certificados Bursátiles Bancarios serán negociados a un precio igual o superior al de su oferta inicial. Lo anterior podría limitar la capacidad de los Tenedores para vender los Certificados Bursátiles Bancarios al precio, en el momento y en la cantidad deseados. Por ello, los posibles inversionistas deben estar preparados para asumir el riesgo de su inversión en los Certificados Bursátiles Bancarios hasta el vencimiento de los mismos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Riesgo de reinversión </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Programa contempla que cada Emisión que se realice al amparo del mismo tendrá sus propias características. En el caso que así se señale en el Suplemento respectivo y en el Título que ampare dicha Emisión. Una Emisión podrá contemplar la posibilidad de ser amortizada anticipadamente y podrá también contemplar casos específicos de vencimiento anticipado. En el supuesto de que una Emisión efectivamente sea amortizada anticipadamente voluntariamente o como resultado de un caso de vencimiento anticipado, los Tenedores que reciban el pago de sus Certificados Bursátiles Bancarios correrán el riesgo de que los recursos que reciban como producto de dicho pago anticipado no puedan ser invertidos en instrumentos que generen rendimientos equivalentes a los generados por los Certificados Bursátiles Bancarios.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Prelación en caso de concurso mercantil </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los Tenedores serán considerados, en cuanto a su preferencia de pago, en igualdad de circunstancias que los demás acreedores comunes de la Emisora. Conforme a la Ley de Concursos Mercantiles, en caso de concurso mercantil o quiebra de la Emisora, ciertos créditos en contra de la masa, incluyendo los créditos a favor de los trabajadores, los créditos a favor de acreedores singularmente privilegiados, los créditos con garantías reales y los créditos fiscales, tendrán preferencia sobre los créditos a favor de los acreedores comunes de la Emisora, incluyendo los derivados de los Certificados Bursátiles Bancarios.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Conforme a la Ley de Concursos Mercantiles, para determinar la cuantía de las obligaciones de la Emisora a partir de que se dicte la sentencia de declaración de concurso mercantil, si las obligaciones de la Emisora se encuentran denominadas en Pesos o divisas (previa conversión a moneda nacional al tipo de cambio a la fecha en </span><span style="font-family:Arial; font-size:11pt">que se declare el concurso mercantil) deberán convertirse a </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt"> (tomando en consideración el valor de la UDI en la fecha de declaración del concurso mercantil), y si las obligaciones se encuentran denominadas en </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">, dichas obligaciones se mantendrán denominadas en dichas unidades. Asimismo, las obligaciones de la Emisora denominadas en Pesos, </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt"> o divisas, cesarán de devengar intereses a partir de la fecha de declaración del concurso mercantil.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Modificación al régimen fiscal de los Certificados Bursátiles Bancarios </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El régimen fiscal de los Certificados Bursátiles Bancarios podría modificarse a lo largo de la vigencia de estos, y con ello afectarse los pagos que la Emisora realice a los Tenedores al amparo de los Certificados Bursátiles Bancarios.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El prospecto de colocación del Programa de Certificados Bursátiles puede ser consultado en la página de Internet de la BMV </span><a href="http://www.bmv.com.mx"><span style="font-family:Arial; font-size:11pt; text-decoration:underline; color:#0000ff">www.bmv.com.mx</span></a><span style="font-family:Arial; font-size:11pt">, BIVA </span><a href="http://www.biva.mx/"><span style="font-family:Arial; font-size:11pt; text-decoration:underline; color:#0000ff">www.biva.mx</span></a><span style="font-family:Arial; font-size:11pt"> y de HSBC México </span><span style="font-family:Arial; font-size:11pt; color:#0000ff">www.hsbc.com.mx</span><span style="font-family:Arial; font-size:11pt">.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">5. FACTORES DE RIESGO RELACIONADOS CON LOS BONOS BANCARIOS ESTRUCTURADOS</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al cierre del ejercicio 2025, 2024 y 2023, la emisora no cuenta con Bonos Bancarios Estructurados.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify; widows:0; orphans:0">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">6. OTROS FACTORES DE RIESGO</span>
</p>
<p style="margin:0pt; text-align:justify; widows:0; orphans:0">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los posibles inversionistas de valores emitidos por el Banco, deberán considerar también todos aquellos factores de riesgo establecidos por el Banco en la nota 33 a los estados financieros auditados de 2025 mismos que se anexan al presente Reporte Anual. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Riesgo de Mercado </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Riesgo de Mercado se define como el riesgo de que las tasas y precios de mercado sobre los cuales la Institución ha tomado posiciones – tasas de interés, tipos de cambio, precios accionarios, etc. – oscilen de forma adversa a las posiciones tomadas, y de este modo causen pérdidas para el “Banco”, es decir, la pérdida potencial por cambios en los factores de riesgo que inciden sobre la valuación o sobre los resultados esperados de las operaciones activas, pasivas o causantes de pasivo contingente, tales como tasas de interés, tipos de cambio, índices de precios, entre otros.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los principales riesgos de mercado a los que está expuesta la Institución se pueden clasificar de manera genérica por la exposición de sus portafolios a variaciones de los distintos factores de riesgo. De esta manera se tiene:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:10pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">Riesgo cambiario o de divisas</span><span style="font-family:Arial; font-size:11pt">. - surge en las posiciones abiertas en divisas diferentes a la divisa local, las cuales originan una exposición a pérdidas potenciales debido a la variación de los tipos de cambio correspondientes.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:10pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">Riesgo de tasas de interés</span><span style="font-family:Arial; font-size:11pt">. - surge por el hecho de mantener activos y pasivos (reales nominales o nocionales), con diferentes fechas de vencimiento o apreciación. De este modo se crea exposición a los cambios en los niveles de las tasas de interés.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:10pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">Riesgo relacionado con las acciones</span><span style="font-family:Arial; font-size:11pt">. - surge al mantener posiciones abiertas (compra o venta) con acciones o instrumentos basados en acciones. De este modo se crea una exposición al cambio en el precio de mercado de las acciones de los instrumentos basados en éstas.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:10pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">Riesgo de volatilidad</span><span style="font-family:Arial; font-size:11pt">. - surge en los instrumentos financieros que contienen opcionalidad, de forma tal que su precio depende, (entre otros factores), de la volatilidad percibida en el subyacente de la opción (tasas de interés, acciones, tipo de cambio, etc.)</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:10pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">Riesgo base o de margen</span><span style="font-family:Arial; font-size:11pt">. - surge cuando un instrumento se utiliza como cobertura de otro y cada uno de ellos es valuado con distinta curva de tasas (por ejemplo, un bono gubernamental cubierto con un derivado de tasas interbancarias) de manera que su valor a mercado puede diferir, generando imperfecciones en la cobertura.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:10pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">Riesgo de margen crediticio</span><span style="font-family:Arial; font-size:11pt">. - es el riesgo de incurrir en minusvalías en el precio de bonos corporativos, bancarios o soberanos en moneda extranjera por cambios en la percepción crediticia del emisor.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="width:132.75pt; text-indent:0pt; display:inline-block; -aw-tabstop-align:left; -aw-tabstop-pos:132.75pt"></span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Riesgo de Liquidez </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify; background-color:#ffffff">
<span style="font-family:Arial; font-size:11pt">El Riesgo de Liquidez se genera principalmente por las brechas en los vencimientos entre los activos y pasivos de la Institución. Las operaciones pasivas de depósitos de clientes, tanto a la vista como a plazo, tienen vencimientos distintos de las operaciones activas de colocación de crédito e inversiones en valores.</span>
</p>
<p style="margin:0pt; text-align:justify; background-color:#ffffff">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify; background-color:#ffffff">
<span style="font-family:Arial; font-size:11pt">HSBC México tiene implementados límites de razones de liquidez, tanto en moneda nacional como en dólares de los EEUU. Estas razones de liquidez son calculadas al menos mensualmente y comparadas con los límites autorizados por el Comité de Activos y Pasivos y el Consejo de Administración. Adicionalmente se realizan revisiones de los compromisos de efectivo y evalúa los requerimientos de los principales clientes para tener una correcta diversificación de fuentes de fondeo y alternativas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Riesgo de Crédito </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para administrar el riesgo de crédito en HSBC México, además de darle un seguimiento periódico al comportamiento del portafolio de crédito, se desarrollan, implementan y monitorean herramientas de evaluación de riesgo. El principal objetivo de esta administración es conocer la calidad de la cartera y tomar medidas oportunas que reduzcan las pérdidas potenciales por riesgo de crédito, cumpliendo al mismo tiempo con las políticas y estándares del Grupo HSBC, Basilea II y la CNBV.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Riesgo de Crédito se define como el riesgo de que un cliente o contraparte no pueda o no tenga la voluntad de cumplir con un compromiso que ha celebrado con un miembro o miembros del Grupo HSBC, es decir, la pérdida potencial por la falta de pago de un acreditado o contraparte.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-indent:36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cartera Comercial</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México cuenta con distintos modelos para la administración interna del riesgo, desarrollados para la Probabilidad de Incumplimiento. Su objetivo es conocer la calidad crediticia de la cartera y tomar medidas oportunas que reduzcan las pérdidas potenciales por dicho riesgo. </span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Dichos modelos previo a su implementación cuentan con etapas de planeación, desarrollo, pruebas, validación independiente y aprobación. Posteriormente son evaluados internamente y monitoreados de forma trimestral a fin de revisar su desempeño y su correcta aplicación, de manera que se lleven a cabo las adecuaciones necesarias.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Respecto a los modelos de Probabilidad de Incumplimiento (PD), el monitoreo tiene como objetivo comprobar que estos siguen diferenciando a los clientes que cumplirán con las obligaciones adquiridas con HSBC de los que no lo harán, ordenándolos por niveles de riesgo adecuado. Además, se valida la cuantificación del modelo comparándose con las tasas de incumplimiento observadas para conocer su precisión.</span>
</p>
<p style="margin:0pt; text-indent:36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cartera de Consumo e Hipotecario</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">De manera periódica se lleva a cabo una evaluación de la eficiencia de los modelos de </span><span style="font-family:Arial; font-size:11pt">originación</span><span style="font-family:Arial; font-size:11pt"> de la cartera de consumo e hipotecario, en la cual se verifica que la población que está siendo considerada por el modelo sea similar a la población con la cual se construyó el mismo; que el modelo siga teniendo la capacidad de distinguir clientes con mal comportamiento de aquellos con buen comportamiento, y que el modelo continúe otorgando puntajes altos a los clientes con un riesgo menor; las métricas utilizadas para la validación de los modelos califican el poder de discriminación de riesgo de incumplimiento (índice de Gini y el índice K-S) y la estabilidad de la población (PSI por sus siglas en inglés). Por lo menos, una vez al año se validan los modelos de </span><span style="font-family:Arial; font-size:11pt">originación</span><span style="font-family:Arial; font-size:11pt">. En caso de que se detecte alguna desviación desfavorable en fuerza o estabilidad, se analizan las causas y se evalúa en conjunto con el equipo de Negocio si es necesario recalibrar o reemplazar el modelo, dependiendo de sus necesidades.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Adicionalmente, HSBC México seguirá desarrollando políticas y procedimientos que comprenden las diferentes etapas del proceso de crédito: evaluación, autorización, otorgamiento, control, seguimiento y recuperación.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Riesgo Operacional </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC define los riesgos no financieros u operacionales como el riesgo de sufrir una pérdida (directa o indirecta) derivado de personas, procesos, datos o sistemas (ya sea porque estos procesos, datos o sistemas son inadecuados o tienen falla), o eventos externos. Estos riesgos surgen durante las operaciones cotidianas y pueden impactar la administración de los riesgos financieros. Los riesgos no financieros u operacionales exponen a pérdidas financieras directas, pobre calidad de servicio al cliente, comentarios adversos por parte de los medios de comunicación, la censura o multa normativa, entre otros. En HSBC México, el riesgo no financiero u operacional se relaciona con todos los aspectos del negocio y abarca un amplio rango de temas. El objetivo de la administración de riesgos no financieros u operacionales de HSBC México es garantizar que estos riesgos sean identificados, evaluados y mitigados. HSBC México gestiona dichos riesgos eficientemente acorde a su apetito al riesgo definido. Lo anterior con el objetivo de hacer negocios dentro de un entorno de riesgos controlados y monitoreados, además de proporcionar niveles aceptables de aseguramiento sobre el cumplimiento de los objetivos institucionales en cuanto a la efectividad y eficiencia de las operaciones, en cumplimiento con la regulación local y del Grupo HSBC. </span>
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<span style="font-family:Arial; font-size:11pt">El marco de gestión de riesgos no financieros u operacionales establece la forma de administrar dichos riesgos en todas las áreas de HSBC México. El marco para la administración de riesgos no financieros u operacionales se basa en los siguientes pasos: definir y habilitar, identificar y evaluar, administrar, agregar e informar y gobernar.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">7. INFORMACIÓN SOBRE PROYECCIONES Y RIESGOS ASOCIADOS </span>
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<span style="font-family:Arial; font-size:11pt">La información que no tiene el carácter de información histórica que se incluye en este reporte anual, refleja las perspectivas de HSBC México en relación con acontecimientos futuros, y puede contener información sobre resultados financieros, situaciones económicas, tendencias y hechos inciertos. Las expresiones “cree”, “espera”, “estima”, “considera”, “planea”, “busca” y otras expresiones similares, indican dichas proyecciones o estimaciones. Al evaluar dichas proyecciones o estimaciones, el Tenedor y el inversionista deberán tomar en cuenta los factores descritos en este reporte anual, en los prospectos de los Programas de Certificados Bursátiles, en el prospecto del Programa de Obligaciones Subordinadas, en el aviso de colocación con fines informativos correspondiente para el Instrumento de que se trate y otras advertencias contenidas en dichos documentos. Dichos factores de riesgo, proyecciones y estimaciones describen las circunstancias que podrían ocasionar que los resultados reales difieran significativamente de los esperados.</span>
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<span style="font-family:Arial; font-size:11pt">El presente reporte anual, los prospectos de los Programas de Certificados Bursátiles, el prospecto del Programa de Obligaciones Subordinadas incluyen ciertas declaraciones sobre el futuro. Estas declaraciones aparecen en diferentes partes del reporte anual, de los prospectos de los Programas de Certificados Bursátiles, del prospecto del Programa de Obligaciones Subordinadas y se refieren a la intención, la opinión o las expectativas actuales con respecto a los planes futuros y a las tendencias económicas y de mercado que afecten la situación financiera y los resultados de las operaciones de HSBC México. Estas declaraciones no deben ser interpretadas como una garantía de rendimiento futuro e implican riesgos e incertidumbre, y los resultados reales pueden diferir de aquellos expresados en tales declaraciones por distintos factores. La información contenida en este reporte anual, los prospectos de los Programas de Certificados Bursátiles, el prospecto del Programa de Obligaciones Subordinadas, incluyendo, entre otras, las secciones “Factores de Riesgo” y “Comentarios y Análisis de la Administración sobre los Resultados de Operación y Situación Financiera”, identifican algunas circunstancias importantes que podrían causar tales diferencias. </span>
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<a href="#_ftnref1"><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">[1]</span></a><span style="font-family:'Times New Roman'; font-size:10pt"> </span><span style="font-family:Arial; font-size:9pt">La fracción CLXXX del Articulo 1 de la Circular Única de Bancos define al Suplemento de Conservación de Capital como aquel determinado conforme a la fracción III del Artículo 2 Bis 5 de estas disposiciones, el cual está compuesto por el 2.5 % de los Activos Ponderados Sujetos a Riesgo Totales, así como aquel porcentaje de los Activos Ponderados Sujetos a Riesgo Totales correspondiente al Suplemento de Capital Contracíclico de cada Institución determinado conforme al Capítulo VI Bis 2 del Título Primero Bis de las presentes disposiciones y, tratándose de Instituciones de Banca Múltiple de Importancia Sistémica Local, por un porcentaje adicional de los Activos Ponderados Sujetos a Riesgo Totales determinado de conformidad con el Capítulo VI Bis 1 del Título Primero Bis de las presentes disposiciones.</span>
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<a href="#_ftnref2"><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">[2]</span></a><span style="font-family:'Times New Roman'; font-size:10pt"> </span><span style="font-family:Arial; font-size:9pt">La fracción CLXXXI del Articulo 1 de la Circular Única de Bancos define al Suplemento de Capital Contracíclico como aquel determinado conforme al inciso c) de la fracción III del Artículo 2 Bis 5 de estas disposiciones.</span>
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<span style="font-family:Arial; font-size:11pt">A la fecha del presente</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> Reporte Anual,</span><span style="font-family:Arial; font-size:11pt"> HSBC México no tiene inscritos ningún otro título en el mercado de valores que no sea en el Registro Nacional de Valores (</span><span style="font-family:Arial; font-size:11pt; font-weight:bold">RNV</span><span style="font-family:Arial; font-size:11pt">). </span>
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<span style="font-family:Arial; font-size:11pt">En los últimos tres años, HSBC México ha entregado en forma completa y oportuna, los reportes sobre eventos relevantes e información requerida con la periodicidad señalada por la legislación aplicable.</span>
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<span style="font-family:Arial; font-size:11pt">En los últimos tres años no se han presentado cambios significativos a los derechos de valores inscritos en el Registro.</span>
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<span style="font-family:Arial; font-size:11pt">Los fondos netos obtenidos en cada una de las Emisiones de Certificados Bursátiles fueron aplicados por la Emisora conforme a sus necesidades, como fue informado en cada Suplemento.</span>
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<span style="font-family:Arial; font-size:11pt">El producto de la Emisión de las Obligaciones Subordinadas fue utilizado para fortalecer el capital de HSBC México (en su parte complementaria) y permitir el crecimiento de las operaciones que conforme a la LIC y demás disposiciones aplicables que estén permitidas al banco.</span>
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<span style="font-family:Arial; font-size:11pt">A la fecha del presente reporte no existen recursos pendientes de aplicar de cualquier emisión que haya hecho el Banco.</span>
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<span style="font-family:Arial; font-size:11pt">La información y documentos del Emisor de carácter público, como los son los Reportes Anuales, los reportes de resultados financieros trimestrales, la información complementaria trimestral sobre la revelación de operaciones con instrumentos financieros derivados, asambleas ordinarias y extraordinarias de accionistas y el código de mejores prácticas corporativas anual podrán ser consultados por los inversionistas y Tenedores a través de la BMV en sus oficinas ubicadas en Paseo de la Reforma No. 255, Colonia Cuauhtémoc, C.P. 06500, México, CDMX. o en su página electrónica en Internet (</span><a style="color:#000000" href="http://www.bmv.com.mx"><span style="font-family:Arial; font-size:11pt; text-decoration:underline">www.bmv.com.mx</span></a><span style="font-family:Arial; font-size:11pt">), a través de BIVA en sus oficinas ubicadas en Periférico, Boulevard Manuel Ávila Camacho 36, Lomas - Virreyes, Lomas de Chapultepec, Colonia Miguel Hidalgo, C.P.11000, México, CDMX. o en su página electrónica en Internet (</span><span style="font-family:Arial; font-size:11pt; text-decoration:underline">www.biva.mx/</span><span style="font-family:Arial; font-size:11pt">), en la página de Internet de la CNBV (</span><a style="color:#000000" href="http://www.cnbv.gob.mx"><span style="font-family:Arial; font-size:11pt; text-decoration:underline">www.cnbv.gob.mx</span></a><span style="font-family:Arial; font-size:11pt">) o en la página de Internet de HSBC México (</span><a style="color:#000000" href="http://www.hsbc.com.mx"><span style="font-family:Arial; font-size:11pt; text-decoration:underline">www.hsbc.com.mx</span></a><span style="font-family:Arial; font-size:11pt">), en el entendido que la página de Internet de HSBC México no forma parte del presente Reporte Anual.</span>
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<span style="font-family:Arial; font-size:11pt">La relación con inversionistas está bajo la responsabilidad de Roxana </span><span style="font-family:Arial; font-size:11pt">Dominguez</span><span style="font-family:Arial; font-size:11pt"> en las oficinas de HSBC México, ubicadas en Paseo de la Reforma número 347, Colonia Cuauhtémoc, C.P. 06500, en la Ciudad de México, al teléfono (55) </span><a style="color:#000000" href="mailto:8551%202804"><span style="font-family:Arial; font-size:11pt; text-decoration:underline">8551 2804</span></a><span style="font-family:Arial; font-size:11pt"> y en la siguiente dirección de correo electrónico: </span><a style="color:#000000" href="mailto:roxana.dominguez@hsbc.com.mx"><span style="font-family:Arial; font-size:11pt; text-decoration:underline">roxana.dominguez@hsbc.com.mx</span></a>
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<span style="font-family:Arial; font-size:11pt">Constitución de HSBC México</span>
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<span style="font-family:Arial; font-size:11pt">HSBC México se constituyó el 22 de julio de 1941 bajo la denominación de Banco Internacional, S.A., y su duración es indefinida.</span>
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<span style="font-family:Arial; font-size:11pt">El 18 de septiembre de 2003, se acordó modificar la denominación del Banco de Banco Internacional, S.A. a HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC.</span>
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<span style="font-family:Arial; font-size:11pt">HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC (HSBC México) es una Institución autorizada para prestar el servicio de banca y crédito y es la principal subsidiaria de Grupo Financiero HSBC. </span>
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<span style="font-family:Arial; font-size:11pt">Las oficinas principales están ubicadas en Paseo de la Reforma No. 347, Col. Cuauhtémoc, C.P. 06500, México, CDMX y el número de teléfono principal es 57 21 22 22.</span>
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<span style="font-family:Arial; font-size:11pt">Eventos relevantes</span><span style="width:14.45pt; text-indent:0pt; display:inline-block"></span>
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<span style="font-family:Arial; font-size:11pt; text-decoration:underline">2026</span>
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<span style="font:7.0pt 'Times New Roman'">                                  </span><span style="font-family:Arial; font-size:11pt">HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC (“HSBC”) informa al público que en esta misma fecha se consumó la venta de la totalidad de su participación en el capital social de Trans </span><span style="font-family:Arial; font-size:11pt">Union</span><span style="font-family:Arial; font-size:11pt"> de México, S.A., S.I.C. (“Trans </span><span style="font-family:Arial; font-size:11pt">Union</span><span style="font-family:Arial; font-size:11pt"> Mexico”), una sociedad de información crediticia enfocada al sector de consumidor (personas físicas), a favor de </span><span style="font-family:Arial; font-size:11pt">Transunion</span><span style="font-family:Arial; font-size:11pt"> Reverse Exchange, S. de R.L. de C.V. (“</span><span style="font-family:Arial; font-size:11pt">TransUnion</span><span style="font-family:Arial; font-size:11pt">”).</span>
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<span style="font:7.0pt 'Times New Roman'">                                  </span><span style="font-family:Arial; font-size:11pt">Fe de Erratas: HSBC Mexico Comunica - Nombramiento de Presidente del Consejo de Administración. HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC (“HSBC”) informa al público inversionista que, con el objetivo de contribuir a las mejores prácticas de gobierno corporativo dentro de la organización, se ha decidido dividir la función de Director General y Presidente del Consejo de Administración. En este sentido, José Antonio Meade Kuribreña ha sido nombrado y aprobado por el Consejo de Administración de HSBC México como Presidente (no ejecutivo) del Consejo de Administración de HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC (“HSBC”), efectivo el 03 de febrero 2026, sujeto a la aprobación del Consejo de HSBC Latinoamérica. Por otra parte, Jorge Arce continúa como Director General de HSBC México y Latinoamérica, y como miembro del Consejo de Administración.</span>
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<span style="font:7.0pt 'Times New Roman'">                                  </span><span style="font-family:Arial; font-size:11pt">HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC (“HSBC”) informa al público inversionista que José Antonio Meade </span><span style="font-family:Arial; font-size:11pt">Kuribeña</span><span style="font-family:Arial; font-size:11pt"> ha sido nombrado Presidente del Consejo de Administración de HSBC México, S.A., </span><span style="font-family:Arial; font-size:11pt">Institución de Banca Múltiple, Grupo Financiero HSBC (“HSBC”), efectivo a partir del 03 de febrero 2026.</span>
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<span style="font:7.0pt 'Times New Roman'">                                  </span><span style="font-family:Arial; font-size:11pt">HSBC Mexico Comunica - Nombramiento en Directivo Relevante Head de Banca Patrimonial y Premier Internacional (IWPB) en México al público inversionista que Luis Armando Kuri ha sido nombrado Head de Banca Patrimonial y Premier Internacional (IWPB) en México, efectivo a partir del 20 de febrero 2026.</span>
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<span style="font-family:Arial; font-size:11pt; text-decoration:underline">2025</span>
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<span style="font:7.0pt 'Times New Roman'">                                  </span><span style="font-family:Arial; font-size:11pt">HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC (“HSBC”) informa al público inversionista que, con esta misma fecha, llevó a cabo la emisión (la “Emisión”) y colocación privada de obligaciones subordinadas de capital, preferentes, respecto de las cuales podrá operar la remisión o condonación de deuda, no susceptibles de convertirse en acciones de HSBC y con fecha de vencimiento del 30 de octubre de 2035.</span>
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<span style="font:7.0pt 'Times New Roman'">                                  </span><span style="font-family:Arial; font-size:11pt">Banco HSBC anuncia que Multiva será representante común para sus certificados bursátiles informa al público inversionista que, a partir de este lunes 1 de septiembre de 2025, Banco Multiva, S. A., Institución de Banca Múltiple Grupo Financiero Multiva desempeñará el cargo de Representante Común en relación con los certificados bursátiles (HSBC 17-2, HSBC 20- 2, HSBC 24, HSBC 24D y HSBC 24-2) emitidos por HSBC y que se encuentran actualmente en circulación. Lo anterior es resultado de los recientes anuncios sobre la adquisición de la totalidad del negocio fiduciario de CI Banco (CIBANCO, S.A., Institución de Banca Múltiple) por parte de Multiva.</span>
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<span style="font:7.0pt 'Times New Roman'">                                  </span><span style="font-family:Arial; font-size:11pt">HSBC Mexico Comunica – Ratificación Directivo Relevante CFO LAM y México. HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC (“HSBC”) informa al público inversionista que María Isabel </span><span style="font-family:Arial; font-size:11pt">Ganduglia</span><span style="font-family:Arial; font-size:11pt"> ha sido designada </span><span style="font-family:Arial; font-size:11pt">Chief</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Financial</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Officer</span><span style="font-family:Arial; font-size:11pt"> (CFO) para México y Latinoamérica con efecto inmediato.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font:7.0pt 'Times New Roman'">                                  </span><span style="font-family:Arial; font-size:11pt">Fe de Erratas: HSBC Mexico Comunica - Cambios en Directivo Relevante CFO LAM y </span>
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<span style="font-family:Arial; font-size:11pt">México. HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC (“HSBC”) informa al público inversionista que el directivo relevante Martín </span><span style="font-family:Arial; font-size:11pt">Peusner</span><span style="font-family:Arial; font-size:11pt"> después de más de 17 años en la Institución deja el cargo que ocupaba en esta Institución como Director General Adjunto de Finanzas LAM y México, con efectividad a partir del 31 de marzo de 2025. Para esta transición María Isabel </span><span style="font-family:Arial; font-size:11pt">Ganduglia</span><span style="font-family:Arial; font-size:11pt"> asumirá el rol de manera interina.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font:7.0pt 'Times New Roman'">                                  </span><span style="font-family:Arial; font-size:11pt">HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC (“HSBC”) informa al público inversionista que el directivo relevante Martín </span><span style="font-family:Arial; font-size:11pt">Peusner</span><span style="font-family:Arial; font-size:11pt"> después de más de 17 años en la Institución deja el cargo que ocupaba en esta Institución como Director General Adjunto de Finanzas LAM y México, con efectividad a partir del 31 de mayo de 2025. Para esta transición María Isabel </span><span style="font-family:Arial; font-size:11pt">Ganduglia</span><span style="font-family:Arial; font-size:11pt"> asumirá el rol de manera interina.</span>
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<span style="font-family:Arial; font-size:11pt">HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC (“HSBC”) informa al público inversionista que el directivo relevante Pablo </span><span style="font-family:Arial; font-size:11pt">Elek</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Hansberg</span><span style="font-family:Arial; font-size:11pt"> ha decidido dejar el cargo que ocupaba en esta Institución como Director General Adjunto de Banca de Consumo, con efectividad a partir del 14 de mayo de 2025.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Banco HSBC anuncia que ha alcanzado un acuerdo para vender, en conjunto con otros accionistas, su participación en </span><span style="font-family:Arial; font-size:11pt">Transunion</span><span style="font-family:Arial; font-size:11pt"> Reverse Exchange, S. de R.L. de C.V., una subsidiaria de </span><span style="font-family:Arial; font-size:11pt">TransUnion</span><span style="font-family:Arial; font-size:11pt">, la totalidad de su participación en el capital social de Trans </span><span style="font-family:Arial; font-size:11pt">Union</span><span style="font-family:Arial; font-size:11pt"> de México, S.A., S.I.C. (“Trans </span><span style="font-family:Arial; font-size:11pt">Union</span><span style="font-family:Arial; font-size:11pt"> México”), una sociedad de información crediticia enfocada al sector de consumo (personas físicas).</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt; text-decoration:underline">2024</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Aviso en relación con las obligaciones subordinadas de capital, preferentes, no susceptibles de convertirse en acciones </span><span style="font-family:Arial; font-size:11pt">de HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">(HSBC 24-1)</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Aviso en relación al reenvío de los reportes anuales de 2022 y 2023 de HSBC México S.A. Institución de Banca Múltiple, Grupo Financiero HSBC evento relevante atendiendo a las observaciones de la comisión nacional bancaria y de valores, SBC México S.A. Institución de Banca Múltiple, Grupo Financiero HSBC (“HSBC”), ha hecho un reenvío del reporte anual referente al cierre de los ejercicios 2022 y 2023.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Aviso en relación con las obligaciones subordinadas de capital, preferentes, no susceptibles de convertirse en acciones </span><span style="font-family:Arial; font-size:11pt">de HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">(HSBC 24-2).</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Aviso en relación con las obligaciones subordinadas de capital, no preferentes, perpetuas, no susceptibles de convertirse en acciones </span><span style="font-family:Arial; font-size:11pt">de HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">(HSBC 19-1).</span>
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<p style="margin:0pt 0pt 0pt 36pt">
<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt; text-decoration:underline">2023</span>
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<span style="font-family:Arial; font-size:9pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Aviso en relación con las obligaciones subordinadas de capital, preferentes y no susceptibles de convertirse en acciones de HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC (HSBC 23-1).</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC (“HSBC”) informa al público inversionista que el 15 de diciembre de 2023, Controladora Prosa, S.A. de C.V. (“Controladora Prosa”) y Visa International </span><span style="font-family:Arial; font-size:11pt">Service</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Association</span><span style="font-family:Arial; font-size:11pt"> (“Visa”) celebraron un contrato de compraventa de acciones representativas del capital social de Promoción y Operación S.A. de C.V. (“Prosa”), mediante el cual Visa adquirió una participación mayoritaria en Prosa. La operación busca fortalecer las capacidades tecnológicas y de negocio de Prosa, como parte del proceso de transformación para mantener su posición competitiva y su relevancia en el mercado. Lo cual resulta un evento positivo para la Emisora permitiendo que un porcentaje importante de las transacciones de pago que se realizan en México se beneficien de </span><span style="font-family:Arial; font-size:11pt">s</span><span style="font-family:Arial; font-size:11pt">er más eficientes y seguras al aprovechar la </span><span style="font-family:Arial; font-size:11pt">infraestructura de red y la experiencia tecnológica de Visa compartiendo entre ambas entidades infraestructura tecnológica y experiencia.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Entidades con propósitos específicos (EPE) </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023, el Banco no cuenta con operaciones de bursatilización ya que, en noviembre de 2022, HSBC en su carácter de fiduciario ejerció su derecho de readquisición del patrimonio del Fideicomiso emisor 685, amortizando anticipadamente la operación, la cual tenía fecha de vencimiento en el año 2025.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Historia corporativa de HSBC México </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México se constituyó el 22 de julio de 1941 bajo la denominación de Banco Internacional, S.A., y su duración es indefinida.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En 1972, el Gobierno tomó el control accionario de Banco Internacional y transfirió sus acciones a Nacional Financiera, S.N.C. (NAFIN).</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Como resultado de la nacionalización de la banca en 1982, el gobierno federal transformó Banco Internacional en una Sociedad Nacional de Crédito y asumió su administración. En diciembre de 1988, la SHCP decidió la separación de Banco Internacional y NAFIN, firmando el convenio respectivo en 1989; sin embargo, el Banco continuaba siendo propiedad del gobierno mexicano.</span>
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<p style="margin:0pt; text-align:justify">
<span style="width:36pt; text-indent:0pt; display:inline-block"></span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Como parte del programa de privatización bancaria llevado a cabo por el gobierno federal, el 19 de junio de 1992, el Banco fue convertido de Sociedad Nacional de Crédito a Sociedad Anónima y el 22 de julio de 1992, Grupo Privado Mexicano (PRIME) adquirió la mayoría accionaria del Banco e inició su desarrollo bajo la marca </span><span style="font-family:Arial; font-size:11pt">Bital</span><span style="font-family:Arial; font-size:11pt">. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Bital</span><span style="font-family:Arial; font-size:11pt"> funcionaba como la institución eje de GFBITAL, aprovechando sus canales de distribución y ofreciendo, con el apoyo de las otras subsidiarias del GFBITAL, un esquema de servicios financieros integrados. El enfoque principal de </span><span style="font-family:Arial; font-size:11pt">Bital</span><span style="font-family:Arial; font-size:11pt"> era atender a los mercados masivos, tanto de personas físicas como de </span><span style="font-family:Arial; font-size:11pt">PYMEs</span><span style="font-family:Arial; font-size:11pt">, sin descuidar la banca de primer piso.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Bital</span><span style="font-family:Arial; font-size:11pt"> contaba con una amplia base de clientes, una extensa red de sucursales y cajeros automáticos, además de tecnología de punta y personal calificado. Estas características hicieron de </span><span style="font-family:Arial; font-size:11pt">Bital</span><span style="font-family:Arial; font-size:11pt"> un banco atractivo para expandir la red de servicios de GFBITAL. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Desde principios de 1998, </span><span style="font-family:Arial; font-size:11pt">Bital</span><span style="font-family:Arial; font-size:11pt"> asumió la administración de Banco del Atlántico concluyendo la incorporación de sus activos y pasivos en octubre de 2002, en los términos pactados con el IPAB. La incorporación fue parte del programa de apoyo para el saneamiento financiero de Banco del Atlántico conforme a la Ley de Protección al Ahorro Bancario. El impacto más notable de la incorporación de Banco del Atlántico se observa en el saldo de los pagarés suscritos por el IPAB a favor del Banco por un monto, que, a diciembre de 2002, ascendía a aproximadamente MXN57,594 (nominales).</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">HSBC en México </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC opera en México desde que abrió una oficina de representación en 1970. En el año 1996, HSBC adquirió al </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Republic</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic">National</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> Bank</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic">of</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> New York</span><span style="font-family:Arial; font-size:11pt"> a nivel global y con esta adquisición, en el 2000 la oficina de HSBC</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt">en México se fusiona con la del </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Republic</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic">National</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> Bank</span><span style="font-family:Arial; font-size:11pt">, cambiando su denominación a HSBC Bank México, S.A. e iniciando la prestación del servicio de banca y crédito en México.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En junio de 2003, las operaciones de HSBC Bank México, fueron fusionadas con HSBC México (antes BITAL) quedando este último como </span><span style="font-family:Arial; font-size:11pt">fusionante</span><span style="font-family:Arial; font-size:11pt">.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Adquisición de GFBITAL por HSBC </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 22 de noviembre de 2002, HSBC Holdings concluyó la adquisición de Grupo Financiero </span><span style="font-family:Arial; font-size:11pt">Bital</span><span style="font-family:Arial; font-size:11pt"> mediante la oferta pública de adquisición de las acciones de GFBITAL que se encontraban inscritas en la sección de valores del RNV. El monto total de la oferta pública de adquisición ascendió a aproximadamente USD1,135. </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Todas las condiciones para la consumación de la oferta fueron cumplidas y HSBC Holdings obtuvo todas las autorizaciones requeridas. </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Posteriormente, el 20 de diciembre de 2002, GFBITAL realizó un incremento de capital en el cual HSBC Holdings suscribió la totalidad de acciones emitidas por un monto equivalente a USD800. Los recursos generados en el aumento de capital fueron utilizados en su totalidad para suscribir acciones del Banco.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Mediante Asamblea General Extraordinaria de accionistas celebrada el 2 de abril de 2003, se acordó la fusión de HSBC Bank México, S. A., Institución de Banca Múltiple Filial con Banco Internacional quedando esta última como entidad </span><span style="font-family:Arial; font-size:11pt">fusionante</span><span style="font-family:Arial; font-size:11pt">. El efecto de la fusión incrementó en MXN1,342 (MXN1,208 nominales) los activos, MXN337 (MXN303 nominales) los pasivos y MXN1,005 (MXN905 nominales) el capital contable de BITAL.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Mediante Asamblea General Extraordinaria de accionistas celebrada el 18 de septiembre de 2003, se acordó modificar la denominación del Banco de Banco Internacional, S.A. (BITAL) a HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Historia de HSBC a nivel mundial </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En marzo de 1865, HSBC abrió sus puertas para hacer negocios en Hong Kong, ayudando a financiar el comercio entre Europa y Asia. Al día de hoy, con 161 años apoyando a sus clientes, el banco presta servicios a alrededor de 41 millones de clientes personales, patrimoniales y corporativos en todo el mundo en 56 países y territorios. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El nombre de HSBC Holdings proviene de su miembro fundador, Hong Kong and </span><span style="font-family:Arial; font-size:11pt">Shanghai</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Corporation</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Limited</span><span style="font-family:Arial; font-size:11pt">, el cual inició operaciones en 1865 en Hong Kong con el objetivo de financiar el creciente comercio entre Europa, India y China. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Poco después de su creación, la institución financiera comenzó a abrir sucursales para ampliar los servicios que podía ofrecer a los clientes. Desde el principio, financiar el comercio fue una de las principales fortalezas de sus negocios locales e </span><span style="font-family:Arial; font-size:11pt">internacionales, la cual ha sido reconocida a lo largo de su historia. A finales del siglo XIX, el banco era la principal institución financiera en Asia con oficinas en </span><span style="font-family:Arial; font-size:11pt">Shanghai</span><span style="font-family:Arial; font-size:11pt"> y posteriormente en Reino Unido y Estados Unidos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En 1992 establece su sede central en Londres y en 1998 anuncia la adopción de una marca unificada para comenzar a utilizar las siglas HSBC y el símbolo hexagonal en todos los lugares donde operaba, con el fin de ser mejor reconocido por sus clientes, accionistas y empleados en todo el mundo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Nuestro propósito justifica nuestra existencia: abriendo un mundo de posibilidades. Estamos aquí para usar nuestra experiencia, capacidades, alcance y perspectivas únicas para abrir nuevas oportunidades en provecho de nuestros clientes. Conjuntamos personas, ideas y capital para fomentar el progreso y el crecimiento, lo que ayuda a crear un mundo mejor para nuestros clientes, nuestros colegas, nuestros inversionistas y nuestras comunidades.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">HSBC México </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco es una subsidiaria 99.99% propiedad de Grupo Financiero HSBC. Grupo Financiero HSBC es a su vez, una subsidiaria directamente controlada por el 99.99% propiedad de HLAH, la cual es totalmente controlada por HSBC Holdings, con sede en Londres, Gran Bretaña.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A la fecha del presente reporte anual, el capital social fijo de HSBC México, asciende a la cantidad de MXN4,332 nominales mismo que se encuentra íntegramente suscrito y pagado.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al cierre del ejercicio 2025 está integrado por 2,165,869,865 acciones suscritas y pagadas, de las cuales 2,015,984,650 acciones están representadas por acciones de la Serie “F” y 149,885,215 acciones de la Serie “B”, ambas series con valor nominal de dos pesos cada una.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las acciones de la serie “F” solamente podrán ser adquiridas por Grupo Financiero HSBC, las acciones de la serie “B” se regirán por lo dispuesto en la LIC para las acciones de la serie O. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Con base en el Boletín Estadístico de Banca Múltiple al 31 de diciembre de 2025 emitido por la CNBV, HSBC México es la quinta institución de banca múltiple más grande en el sistema bancario mexicano con respecto a activos totales con una participación de mercado de aproximadamente 5.80% en activos, 5.86% en cartera total y 6.02% en captación total. </span>
</p>
<p style="margin:5pt 0pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En los últimos tres años no se han realizado inversiones significativas, incluyendo participaciones en otras compañías.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A finales de noviembre 2025 HSBC México vendió y transfirió la titularidad del 50% de las acciones representativas del capital social de </span><span style="font-family:Arial; font-size:11pt">Global </span><span style="font-family:Arial; font-size:11pt">Payments</span><span style="font-family:Arial; font-size:11pt">, </span><span style="font-family:Arial; font-size:11pt">Technology</span><span style="font-family:Arial; font-size:11pt"> México, S.A. de C.V</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt"> a Global </span><span style="font-family:Arial; font-size:11pt">Payments</span><span style="font-family:Arial; font-size:11pt"> Americas Holding LLC y Global </span><span style="font-family:Arial; font-size:11pt">Payment</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Systems</span><span style="font-family:Arial; font-size:11pt"> LLC.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La participación accionaria incluye la directa e indirecta del Banco en las subsidiarias.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Subsidiarias consolidadas de HSBC México</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las sociedades son administradas conforme a las reglas emitidas por la SHCP y conforme a las políticas emitidas por HSBC México y cumplen con los criterios contables emitidos por la Comisión Nacional Bancaria y de Valores.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:475.65pt">
<thead>
<tr style="height:6.95pt">
<td rowspan="2" style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:282.75pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Subsidiaria </span>
</p>
</td>
<td colspan="3" style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:190.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Participación accionaria</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:69.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.35pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:63.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2023</span>
</p>
</td>
</tr>
</thead>
<tbody>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:282.75pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:69.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.35pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:63.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:282.75pt">
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Inmobiliaria Bisa, S.A. de C.V.</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:69.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">99.99%</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.35pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">99.99%</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:63.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">99.99%</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:282.75pt">
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Inmobiliaria </span><span style="font-family:Arial; font-size:11pt">Grufin</span><span style="font-family:Arial; font-size:11pt">, S.A. de C.V.</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:69.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">99.97%</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.35pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">99.97%</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:63.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">99.97%</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:282.75pt">
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Inmobiliaria </span><span style="font-family:Arial; font-size:11pt">Guatusi</span><span style="font-family:Arial; font-size:11pt">, S.A. de C.V.</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:69.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">99.99%</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.35pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">99.99%</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:63.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">99.99%</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:282.75pt">
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">HSBC Servicios Financieros, S.A. de C.V.</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:69.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">99.99%</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.35pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">99.99%</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:63.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">99.99%</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:282.75pt">
<p style="margin:0pt 0pt 0pt 18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:69.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:56.35pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:63.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
</tbody>
<tr style="height:0pt">
<td style="width:283.5pt; border:none">
</td>
<td style="width:70.5pt; border:none">
</td>
<td style="width:57.1pt; border:none">
</td>
<td style="width:63.8pt; border:none">
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:475.65pt">
<tr>
<td rowspan="2" style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:282.75pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Subsidiaria </span>
</p>
</td>
<td colspan="3" style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:190.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Participación accionaria</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:63.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:55.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2023</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:282.75pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:70.15pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:63.05pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:55.95pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:282.75pt">
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Almacenadora </span><span style="font-family:Arial; font-size:11pt">Banpacífico</span><span style="font-family:Arial; font-size:11pt">, S.A. de C.V.</span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">1</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:70.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">99.99%</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:63.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">99.99%</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:55.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">99.99%</span>
</p>
</td>
</tr>
<tr style="height:0pt">
<td style="width:283.5pt; border:none">
</td>
<td style="width:70.9pt; border:none">
</td>
<td style="width:63.8pt; border:none">
</td>
<td style="width:56.7pt; border:none">
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:475.65pt">
<tr>
<td rowspan="2" style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:282.75pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Empresas asociadas</span>
</p>
</td>
<td colspan="3" style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:190.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Participación accionaria</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:63.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:55.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2023</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:282.75pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:70.15pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:63.05pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:55.95pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:282.75pt">
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Global </span><span style="font-family:Arial; font-size:11pt">Payments</span><span style="font-family:Arial; font-size:11pt">, </span><span style="font-family:Arial; font-size:11pt">Technology</span><span style="font-family:Arial; font-size:11pt"> México, S.A. de C.V.</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:70.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:63.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">50.00%</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:55.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">50.00%</span>
</p>
</td>
</tr>
<tr style="height:0pt">
<td style="width:283.5pt; border:none">
</td>
<td style="width:70.9pt; border:none">
</td>
<td style="width:63.8pt; border:none">
</td>
<td style="width:56.7pt; border:none">
</td>
</tr>
</table>
<p style="margin:0pt 0pt 5pt; text-align:justify">
<span style="font-family:Arial; font-size:7.33pt; font-weight:normal; vertical-align:super">1. </span><span style="font-family:Arial; font-size:10pt; font-weight:normal">Valor en libros es 0</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Reconocimientos obtenidos por HSBC durante el ejercicio 2025.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En 2025, HSBC México fue reconocido en los DEI </span><span style="font-family:Arial; font-size:11pt">Awards</span><span style="font-family:Arial; font-size:11pt">, organizados por Incluyeme.com, lo que destaca el compromiso del banco con la inclusión laboral de personas con discapacidad. Este distintivo valora el esfuerzo conjunto realizado para impulsar proyectos y acciones concretas que promueven oportunidades laborales y el desarrollo de talento diverso. El premio refleja todo un año de trabajo, aprendizajes y avances en diversidad e inclusión.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México recibió la certificación “Empresa Top Mujeres 2025”, la cual refleja el compromiso de la institución con la implementación de mejores prácticas para atraer talento femenino y refuerza su compromiso para promover la equidad de género como parte de su política de diversidad e inclusión. Aunado a ello, el banco se colocó en el lugar 6 del Ranking Súper Empresas para Mujeres 2025, en la categoría de empresas con más de 3,000 empleados. Este ranking es realizado cada año por la revista Expansión de la mano de Top </span><span style="font-family:Arial; font-size:11pt">Companies</span><span style="font-family:Arial; font-size:11pt">, firma líder en el diagnóstico y fortalecimiento de la cultura laboral, donde se califican diversos parámetros tanto de la cultura como del clima organizacional.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La revista Expansión reconoció a HSBC México por formar parte de su ranking de “Empresas Responsables 2025”. Este año el banco quedó en la posición número 30 de 157 empresas rankeadas, siendo la institución financiera mejor calificada en los rubros ambiental, social y de gobernanza. Este ejercicio, realizado año con año por la revista </span><span style="font-family:Arial; font-size:11pt">Expansión, evalúa de manera sistemática y metodológica la aplicación de criterios ASG en la estrategia de empresas de diversos sectores en México.</span>
</p>
<p style="margin:0pt; text-align:justify">
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<span style="font-family:Arial; font-size:11pt">Durante la Primera Cumbre Sin Reglas: Menopausia, rompiendo barreras, creando oportunidades, organizada por la Fundación Sin Reglas, HSBC México fue reconocido por su compromiso con la diversidad, la inclusión y el bienestar integral de sus colegas. Este reconocimiento refuerza la convicción del banco de que acompañar a las personas en cada momento de su vida es clave para su desarrollo.</span>
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<span style="font-family:Arial; font-size:11pt">HSBC México se colocó en el Top 10 del ranking Súper Empresas Expansión 2025, en el lugar 10, en la categoría de empresas con más de 3,000 empleados. Este ranking es realizado cada año por la revista Expansión de la mano de Top </span><span style="font-family:Arial; font-size:11pt">Companies</span><span style="font-family:Arial; font-size:11pt">, firma líder en el diagnóstico y fortalecimiento de la cultura laboral, donde se califican diversos parámetros tanto de la cultura como del clima organizacional.</span>
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<span style="font-family:Arial; font-size:11pt">HSBC México obtuvo la certificación HRC Equidad: Mejores lugares para Trabajar LGBTQ+ gracias a su compromiso y acciones para promover la inclusión laboral de las personas de la comunidad LGBT+. La certificación es otorgada por la Fundación Human </span><span style="font-family:Arial; font-size:11pt">Rights</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Campaign</span><span style="font-family:Arial; font-size:11pt"> (HRC), en alianza con ADIL, Diversidad e Inclusión Laboral, quienes establecieron el programa HRC Equidad MX, la evaluación líder en materia de inclusión LGBT+ a nivel corporativo en México. Algunos de los rubros que fueron evaluados por HRC Equidad MX fueron el contar con políticas de no discriminación y equidad de oportunidad de empleo y compromiso público con la comunidad LGBT+, entre otras.</span>
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<span style="font-family:Arial; font-size:11pt">HSBC México se consolida como el banco global de referencia en el país al haber sido premiado por la revista británica </span><span style="font-family:Arial; font-size:11pt">Euromoney</span><span style="font-family:Arial; font-size:11pt">, por primera vez, como el Mejor Banco para Grandes Corporativos (</span><span style="font-family:Arial; font-size:11pt">Large</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Corporates</span><span style="font-family:Arial; font-size:11pt">) y, por tercer año, consecutivo como el Mejor Banco ASG. Ambos reconocimientos reflejan el trabajo conjunto de todas las áreas de la institución y su compromiso por ofrecer soluciones financieras y propuestas de valor sólidas, innovadoras y sostenibles, centradas en las necesidades reales de sus clientes.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La revista británica </span><span style="font-family:Arial; font-size:11pt">Euromoney</span><span style="font-family:Arial; font-size:11pt"> reconoció a HSBC México como el Banco Líder en Financiamiento para el Comercio Exterior 2025. Esta distinción es resultado de la Encuesta Global de Financiamiento al Comercio Exterior (2025 </span><span style="font-family:Arial; font-size:11pt">Trade</span><span style="font-family:Arial; font-size:11pt"> Finance </span><span style="font-family:Arial; font-size:11pt">Survey</span><span style="font-family:Arial; font-size:11pt">) que la revista realiza anualmente a diferentes empresas del mundo para que reconozcan a sus mejores proveedores en financiamiento al comercio exterior. Adicionalmente, HSBC México obtuvo la primera posición en las subcategorías de Servicio al cliente y Tecnología.</span>
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<span style="font-family:Arial; font-size:11pt">HSBC México ganó la Insignia </span><span style="font-family:Arial; font-size:11pt">Sáasil</span><span style="font-family:Arial; font-size:11pt"> por su esfuerzo en la generación de productos y servicios con enfoque en equidad de género. El programa Mujeres al Mundo de HSBC México fue el primero en el país en integrar servicios financieros y acceso a capacitación, redes de contacto y red internacional. Este reconocimiento fue otorgado por la Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (Condusef) y cuenta con la valoración conjunta de esta dependencia gubernamental y el Instituto Nacional de las Mujeres (</span><span style="font-family:Arial; font-size:11pt">Inmujeres</span><span style="font-family:Arial; font-size:11pt">) en aspectos como la generación de productos o servicios con base en un diagnóstico sobre las barreras a la inclusión financiera de la mujer y el enfoque al empoderamiento, salud financiera y libertad financiera de la mujer, así como las políticas de equidad de género que se tengan al interior de la organización.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Reconocimientos obtenidos por HSBC durante el ejercicio 2024. </span>
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<span style="font-family:Arial; font-size:11pt">Heraldo Media </span><span style="font-family:Arial; font-size:11pt">Group</span><span style="font-family:Arial; font-size:11pt">, a través de Mente Mujer y Dalia </span><span style="font-family:Arial; font-size:11pt">Empower</span><span style="font-family:Arial; font-size:11pt">, plataforma de empoderamiento femenino, reconocieron a HSBC México por su iniciativa Mujeres al Mundo, programa con perspectiva de género que apoya el desarrollo personal y profesional de las mujeres. Este programa fue lanzado en 2022 y ofrece beneficios exclusivos en servicios financieros, capacitación, mentoría, redes de contacto y respaldo internacional. Todas las clientas de HSBC México son parte del programa Mujeres al Mundo de forma automática.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">La revista Expansión reconoció a HSBC México por formar parte de su ranking de “Empresas Responsables 2024”. Este año el banco quedó en la posición número 22 de 152 empresas rankeadas, siendo la institución financiera mejor calificada en los rubros ambiental, social y de gobernanza. Este ejercicio, realizado año con año por la revista Expansión, evalúa de manera sistemática y metodológica la aplicación de criterios ASG en la estrategia de empresas de diversos sectores en México.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México fue reconocido por la revista británica </span><span style="font-family:Arial; font-size:11pt">Euromoney</span><span style="font-family:Arial; font-size:11pt"> como el Mejor Banco para ESG en México gracias al trabajo integral que la institución financiera ha realizado al incorporar la sustentabilidad como elemento central en las operaciones, servicios y toma de decisiones. Este es el segundo año consecutivo en el que HSBC México obtiene este reconocimiento, a través de la colaboración, el banco trabaja para reducir su impacto ambiental, apoyar a sus clientes en la transición hacia una economía de carbono neto cero y reducir la exposición al riesgo de los inversionistas con la implementación de políticas sólidas.</span>
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<span style="font-family:Arial; font-size:11pt">Por segundo año consecutivo la prestigiosa revista británica </span><span style="font-family:Arial; font-size:11pt">Euromoney</span><span style="font-family:Arial; font-size:11pt"> reconoció el trabajo realizado por HSBC México en materia Ambiental, Social y de Gobernanza (ASG) al otorgarle el premio Mejor Banco ASG de México. Este reconocimiento destaca el compromiso de la institución con los principios de inversión responsable al generar un impacto positivo en las comunidades y medio ambiente con una gestión sólida y transparente. Entre los logros del banco destaca la consolidación de HSBC México como uno de los tres principales bancos emisores de bonos temáticos con emisiones significativas para empresas internacionales y nacionales.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">HSBC México obtuvo la certificación HRC Equidad MX 2023: Mejores lugares para trabajar LGBTQ+ gracias a su compromiso y acciones para promover la inclusión laboral de las personas de la comunidad LGBT+. La certificación es otorgada por la Fundación Human </span><span style="font-family:Arial; font-size:11pt">Rights</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Campaign</span><span style="font-family:Arial; font-size:11pt"> (HRC), en alianza con ADIL, Diversidad e Inclusión Laboral, quienes establecieron el programa HRC Equidad MX, la evaluación líder en materia de inclusión LGBT+ a nivel corporativo en México. Algunos de los rubros que fueron evaluados por HRC Equidad MX fueron el contar con políticas de no discriminación y equidad de oportunidad de empleo y compromiso público con la comunidad LGBT+, entre otras</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Reconocimientos obtenidos por HSBC durante el ejercicio 2023. </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
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<span style="font-family:Arial; font-size:11pt">HSBC México fue galardonado por la revista Global </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt"> y Finance </span><span style="font-family:Arial; font-size:11pt">Review</span><span style="font-family:Arial; font-size:11pt"> en las categorías “Empresa del Año en Gestión de Activos” (</span><span style="font-family:Arial; font-size:11pt">Asset</span><span style="font-family:Arial; font-size:11pt"> Management Company </span><span style="font-family:Arial; font-size:11pt">of</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">the</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Year</span><span style="font-family:Arial; font-size:11pt"> Mexico) y “Mejor Administrador de Patrimonio Privado en México” (</span><span style="font-family:Arial; font-size:11pt">Best</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Private</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Wealth</span><span style="font-family:Arial; font-size:11pt"> Manager Mexico).</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Por quinto año consecutivo HSBC México recibió el distintivo “Éntrale”, de la Alianza Éntrale A.C., el cual reconoce su compromiso con la inclusión laboral de personas con discapacidad. La Alianza Éntrale A.C. es una iniciativa del Consejo Mexicano de Negocios que reconoce el trabajo realizado por el banco para la implementación y el fortalecimiento de proyectos que beneficien la contratación y retención del talento humano con discapacidad.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En abril de 2023, HSBC México fue incluido en la lista de LinkedIn Mejores Empresas 2023, que reconoce a las 25 mejores empresas que impulsan la trayectoria profesional de sus colaboradores. Esta lista es elaborada a partir de los datos exclusivos de LinkedIn que valoran distintos aspectos del desarrollo profesional y destaca a las empresas que están ayudando a sus empleados a prepararse para triunfar de cara al futuro.</span>
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<span style="font-family:Arial; font-size:11pt">Por primera vez HSBC México participó y se posicionó dentro de los primeros 15 lugares en la encuesta Súper Empresas 2023 “Los lugares donde todos quieren trabajar”, dentro de la categoría de empresas con más de 3,000 empleados. El ranking es realizado cada año por la revista Expansión de la mano de Top </span><span style="font-family:Arial; font-size:11pt">Companies</span><span style="font-family:Arial; font-size:11pt">, firma líder en el diagnóstico y fortalecimiento de la cultura laboral, donde se califican diversos parámetros tanto de la cultura como del clima organizacional. Derivado de este listado, el banco también incursionó en el ranking Súper Empresas para Mujeres 2023, gracias a las acciones que realiza para promover la equidad de género como parte de su política de diversidad e inclusión.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">HSBC México fue reconocido con el distintivo "Empresas Flexibles Ideales para Trabajar" otorgado por </span><span style="font-family:Arial; font-size:11pt">Beyond</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Work</span><span style="font-family:Arial; font-size:11pt"> y Forbes México por promover estrategias y herramientas para que los colaboradores encuentren un punto de equilibrio entre sus necesidades personales y la dinámica laboral. El banco está en el Top 15 de entre 100 empresas mexicanas.</span>
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<span style="font-family:Arial; font-size:11pt">La revista británica </span><span style="font-family:Arial; font-size:11pt">Euromoney</span><span style="font-family:Arial; font-size:11pt"> reconoció el trabajo realizado por HSBC México en materia Ambiental, Social y de Gobernanza (ASG) al otorgarle el premio Mejor Banco ASG de México gracias al trabajo integral que la institución financiera ha realizado al incorporar la sostenibilidad como elemento central en las operaciones, servicios y la toma de decisiones. A través de la colaboración el banco trabaja en la reducción de su impacto ambiental, apoyo a sus clientes en la transición hacia una economía de cero emisiones netas de carbono y la disminución de la exposición de los inversionistas al riesgo con la implementación de políticas sólidas.</span>
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<span style="font-family:Arial; font-size:11pt">HSBC México fue reconocido como el banco líder en el país en servicios de tesorería para las empresas, de acuerdo con la encuesta en la materia que realiza cada año la revista británica </span><span style="font-family:Arial; font-size:11pt">Euromoney</span><span style="font-family:Arial; font-size:11pt">. Este es el segundo año consecutivo en que HSBC México obtiene este reconocimiento otorgado por tesoreros y responsables financieros de diferentes instituciones no financieras (empresas) consultadas en la encuesta.</span>
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<span style="font-family:Arial; font-size:11pt">Grupo Financiero HSBC es una de las cinco instituciones de servicios bancarios y financieros más grandes de México, medido en términos de activos. </span>
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<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, HSBC México contaba con 727 sucursales, 5,021 cajeros automáticos y </span><span style="font-family:Arial; font-size:11pt">12,944</span><span style="font-family:Arial; font-size:11pt"> empleados. </span>
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<span style="font-family:Arial; font-size:11pt">HSBC México se encuentra posicionado para complementar las operaciones de HSBC Holdings en Asia, Europa, Norteamérica, resto de Latinoamérica, Medio Oriente y África del Norte.</span>
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<span style="font-family:Arial; font-size:11pt">Las operaciones de HSBC México están diseminadas de manera adecuada entre los diferentes sectores productivos de la economía, por lo que no existe una concentración sectorial importante y, por lo mismo, no se presenta una ciclicidad o estacionalidad de relevancia en sus negocios.</span>
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<span style="font-family:Arial; font-size:11pt">De conformidad con la LIC, HSBC México está autorizada para realizar operaciones de banca múltiple. Dichas operaciones comprenden, entre otras, la recepción de depósitos, la aceptación de préstamos, el otorgamiento de créditos, la operación con valores e Instrumentos Financieros Derivados y la celebración de contratos de fideicomiso. Los servicios que ofrece el Banco están dirigidos tanto a personas físicas como a personas morales, del sector empresarial, gubernamental y privado.</span>
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<span style="font-family:Arial; font-size:11pt">Los ingresos netos por intereses son la mayor fuente de ingresos del Banco. Los productos de colocación de recursos representan el principal canal de ingresos. Los productos vinculados a créditos al consumo y créditos comerciales registraron ingresos por MXN24,448 y MXN23,135 que representan el 26.9% y 25.5% respectivamente del total de ingresos por intereses del Banco para el año 2025. Por su parte, los créditos hipotecarios, gubernamentales y a entidades financieras representan 15.9%, 1.2% y 1.1% respectivamente del total de ingresos por intereses del Banco.</span>
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<span style="font-family:Arial; font-size:11pt">A continuación, se presenta el detalle de los ingresos por intereses para el año 2025, 2024 y 2023:</span>
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</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:35.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:29pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:208.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Cartera</span><span style="font-family:Arial; font-size:11pt"> de crédito al consumo</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">24,448</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:31.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">26.9</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:35.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">24,940</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">26.6</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">21,825</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:29pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">26.5</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:208.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Cartera</span><span style="font-family:Arial; font-size:11pt"> de crédito comercial</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">23,135</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:31.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">25.5</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:35.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">24,707</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">26.4</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">22,180</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:29pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">26.9</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:208.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Cartera</span><span style="font-family:Arial; font-size:11pt"> de crédito a la vivienda</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">14,413</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:31.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">15.9</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:35.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">14,164</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">15.1</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">12,472</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:29pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">15.1</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:208.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Cartera</span><span style="font-family:Arial; font-size:11pt"> de crédito a entidades gubernamentales</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,118</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:31.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1.2</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:35.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,148</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2.3</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,309</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:29pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2.8</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:208.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Cartera</span><span style="font-family:Arial; font-size:11pt"> de crédito a entidades financieras</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">961</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:31.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1.1</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:35.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,324</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1.4</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,025</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:29pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1.2</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:208.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Intereses de efectivo y equivalentes de efectivo</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,968</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:31.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3.3</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:35.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">4,093</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">4.4</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,531</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:29pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">4.3</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:208.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Intereses y rendimientos a favor </span><span style="font-family:Arial; font-size:11pt">provenientes de inversiones en instrumentos financieros</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">18,227</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:31.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">20.1</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:35.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">14,946</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">16.0</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">12,465</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:29pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">15.1</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:208.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Intereses y rendimientos a favor en operaciones de reporto</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">4,083</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:31.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">4.5</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:35.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,753</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">6.1</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,046</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:29pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">6.1</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:208.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Ingresos provenientes de operaciones de cobertura</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">71</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:31.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">0.1</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:35.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">196</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">0.2</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">271</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:29pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">0.3</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:208.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Comisiones por el otorgamiento inicial del crédito</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,277</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:31.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1.4</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:35.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,314</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1.4</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,236</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:29pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1.5</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:208.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Otros</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">59 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:31.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">0.1</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:35.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">102</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">0.1</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">95</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:29pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">0.1</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:208.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Total Ingresos por intereses</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">90,760</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:31.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">100</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:35.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">93,687</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">100</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">82,455</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:29pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">100</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cifras en millones de pesos</span>
</p>
<p style="margin:5pt 0pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Principales áreas de negocio de HSBC México</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco ofrece principalmente sus productos y servicios a través de las siguientes áreas o líneas de negocio:</span>
</p>
<p style="margin:5pt 0pt 6pt 56.7pt; text-indent:-28.35pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">               </span><span style="font-family:Arial; font-size:11pt">Banca de Consumo y Patrimonial (IWPB)</span>
</p>
<p style="margin:5pt 0pt 6pt 56.7pt; text-indent:-28.35pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">               </span><span style="font-family:Arial; font-size:11pt">Banca de empresas e Instituciones (CIB)</span>
</p>
<p style="margin:5pt 0pt 18pt 56.7pt; text-indent:-28.35pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">               </span><span style="font-family:Arial; font-size:11pt">Servicios de Mercados y Valores (MSS)</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Banca de Consumo y Patrimonial (International </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Wealth</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> and Premier </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Banking</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">)</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Ofrece sus productos y servicios a través de 727 sucursales y 5,021 cajeros automáticos y 506 Depositadores al 31 de diciembre de 2025, Banca por Internet, Banca Móvil y </span><span style="font-family:Arial; font-size:11pt">Call</span><span style="font-family:Arial; font-size:11pt"> Centre. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Banca de Empresas e Instituciones (</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Corporate</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> and </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Institutional</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Banking</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">) </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<a name="_Hlk192850077" href="#" ><span style="font-family:Arial; font-size:11pt">Desde enero 2025, HSBC México alineó su negocio de la Banca empresarial (</span><span style="font-family:Arial; font-size:11pt">Commercial</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt">) al modelo de negocios global de Banca de Empresas e Instituciones (</span><span style="font-family:Arial; font-size:11pt">Corporate</span><span style="font-family:Arial; font-size:11pt"> and </span><span style="font-family:Arial; font-size:11pt">Institutional</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt">). Esta alineación tuvo como objetivo apoyar la ejecución estratégica y la eficiencia en costos, así como seguir cubriendo las necesidades financieras de estos clientes de una manera más eficiente.</span></a>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Esta línea de negocio está dirigida principalmente a personas morales, tanto Locales como Multinacionales, clientes Institucionales y del Sector Público, con necesidades de productos de financiamiento en pesos mexicanos y otras divisas, como líneas de crédito para capital de trabajo, préstamos a plazo, así como el financiamiento para exportaciones; productos para el manejo de la Tesorería de los clientes como Cuentas de Cheques, servicios de nómina, pagos, Tarjetas Corporativas y manejo de Liquidez; además de soluciones en Mercados Globales en un modelo operativo que incorpora desde una atención Local y Domestica con necesidades financieras primarias hasta soluciones que involucran presencia global en otros mercados, permitiéndonos capturar transacciones relevantes con clientes internacionales.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Con el fin de brindar un servicio financiero especializado, CIB se clasifica en los siguientes segmentos:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Global </span><span style="font-family:Arial; font-size:11pt">Corporates</span><span style="font-family:Arial; font-size:11pt"> (GC), atiende a empresas con una facturación anual superior a USD2,000 o que generan más de USD2</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">en ingresos para HSBC, y/o bien que cumplan con los siguientes criterios: contabilicen ingresos en dos regiones y en cuatro mercados, o generen un ingreso directo de 100 mil dólares en </span><span style="font-family:Arial; font-size:11pt">Debt</span><span style="font-family:Arial; font-size:11pt"> Capital Management (DCM),</span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:11pt">Línea de </span><span style="font-family:Arial; font-size:11pt">Crédto</span><span style="font-family:Arial; font-size:11pt"> (LAF), </span><span style="font-family:Arial; font-size:11pt">Investment</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt"> (IB), </span><span style="font-family:Arial; font-size:11pt">Infrastructure</span><span style="font-family:Arial; font-size:11pt"> Finance</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">(HIF) y </span><span style="font-family:Arial; font-size:11pt">Structured</span><span style="font-family:Arial; font-size:11pt"> Finance (SF). Esta clasificación nos permite identificar clientes de alto valor que requieren atención y recursos especializados.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">International </span><span style="font-family:Arial; font-size:11pt">Middle</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Market</span><span style="font-family:Arial; font-size:11pt"> (IMM), atiende empresas con una facturación mínima de USD50 con un potencial de más de USD100.</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Los clientes deben operar en múltiples jurisdicciones, con servicios de HSBC en dos o más jurisdicciones, y utilizar una amplia gama de soluciones de HSBC (más de dos productos). Estos clientes deben generar un TRI anual mínimo de 250 mil dólares, contribuyendo a un índice de rentabilidad de cartera del 7%. Los clientes que operen con el banco en una sola jurisdicción, pero que generen un TRI anual de 250 mil dólares con un </span><span style="font-family:Arial; font-size:11pt">GroRWA</span><span style="font-family:Arial; font-size:11pt"> del 7% o superior, podrán ser admitidos de forma excepcional, previa aprobación del director del país y con una justificación comercial adecuada.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 5.2pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Global Network </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt"> (GNB), atiende a filiales que son clientes o prospectos en su país gestor de los segmentos bancarios GC, IMM o Banca de Innovación. Estos clientes se caracterizan por tener productos internacionales. La oferta de productos comprende: financiamiento en pesos mexicanos y dólares americanos, líneas de crédito para capital de trabajo, préstamos a plazo, así como el financiamiento a las importaciones y exportaciones, además de servicios financieros relativos a cuentas de cheques e inversiones, canales de accesos electrónicos y administración de efectivo.</span>
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<p style="margin:0pt 0pt 0pt 35.4pt">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 5.2pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Institutional</span><span style="font-family:Arial; font-size:11pt"> Client </span><span style="font-family:Arial; font-size:11pt">Group</span><span style="font-family:Arial; font-size:11pt"> (ICG): se encarga de atender a tres segmentos específicos: Grupos de Instituciones Financieras (FIG), Sector Público (PS) y Gobierno Federal. ICG proporciona servicios financieros y soluciones al mercado de clientes institucionales, empresas estatales, el gobierno soberano y entidades clave dentro del gobierno federal mexicano.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 5.2pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Estados y Municipios, atiende las necesidades del sector público brindando soluciones financieras en el uso de recursos públicos, responde a las necesidades financieras de los clientes de gobierno estatal y municipal. </span>
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<p style="margin:0pt 5.2pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 5.2pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Business </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt"> (BB): ofrece servicios a pequeñas y medianas empresas que no estén consideradas en los segmentos antes mencionados.</span>
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<p style="margin:0pt 5.2pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Entre los productos que ofrece el Banco se incluyen los de financiamiento en pesos mexicanos y otras divisas, líneas de crédito para capital de trabajo y proyectos de inversión, compraventa de divisas, productos de cobertura de mercados, seguros, inversiones, cuenta de cheques, servicios de nómina, pagos, tarjetas corporativas; además soluciones de Mercados Globales ofreciendo servicios de comercio exterior y servicios de liquidez y administración de efectivo, con un modelo operativo que aprovecha nuestra presencia internacional y capacidades globales lo que nos permite capturar transacciones relevantes con clientes internacionales.</span>
</p>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Estamos enfocados en proporcionar valor agregado a través del conocimiento detallado de cada uno de los siguientes sectores:</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Bienes raíces </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Conglomerados</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Consumo</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Energía, materiales y electricidad</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Salud</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Industria y transporte</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Servicios profesionales</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Tecnología, medios y telecomunicaciones</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Otros</span><span style="-aw-bookmark-end:_Hlk192850077"></span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Servicios de Mercados y Valores (</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Market</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> y </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Securities</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Services</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">)</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; color:#333333">Segmento de negocio especializado en mercados financieros y de custodia de valores, que cuenta con diversidad de productos del mercado de dinero y mercado de capitales, incluyendo instrumentos de liquidez, de divisas, de deuda gubernamental y corporativa, derivados y estructurados, así como también intermediación en el mercado de valores.</span><span style="font-family:Arial; font-size:11pt; color:#333333"> </span><span style="font-family:Arial; font-size:11pt; color:#333333"> Está dirigido a brindar soluciones principalmente a clientes gubernamentales, bancos centrales, corporaciones locales e internacionales, inversionistas institucionales y en general a los participantes del mercado financiero.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Productos y servicios</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco ofrece una amplia gama de productos y servicios a sus clientes entre los que se encuentran:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Productos</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> de International Wealth and Premier Banking</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">(IWPB) </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Productos de Captación </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México fomenta y promueve el ahorro a través de productos de captación enfocados a personas físicas, como cuentas de depósito a la vista e inversiones a plazo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La oferta de las cuentas de depósito a la vista o corto plazo se divide en seis categorías a fin de satisfacer las necesidades de cada cliente: </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ol type="1" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cuentas a la vista con Tarjeta de Débito: Cuenta Flexible, Cuenta Flexible Simple, Nómina Flexible HSBC, Nómina Ejecutiva sin Chequera y Cuenta Flexible Menores. </span>
</li>
<li style="margin:0pt 0pt 0pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cuentas con Tarjeta de Débito y Chequera: Cuenta HSBC Premier, Cuenta </span><span style="font-family:Arial; font-size:11pt">One</span><span style="font-family:Arial; font-size:11pt">, Cuenta Flexible con Chequera y Cuenta Maestra (específica para Persona Física con Actividad Empresarial). Cuenta Maestra en Dólares. </span>
</li>
<li style="margin:0pt 0pt 0pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cuentas Básicas: Producto Básico de Nómina y Producto Básico para el Público en General.</span>
</li>
<li style="margin:0pt 0pt 0pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cuenta Especial Dólares y Cuenta Maestra en Dólares: Ofrecidas sólo en la franja fronteriza. La Cuenta Especial en Dólares (Subproducto 67) sólo se ofrece en la sucursal de la Torre HSBC.</span>
</li>
<li style="margin:0pt 0pt 0pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cuentas a la vista Nivel 2: Nomina flexible HSBC N2 y Nómina Ejecutiva sin Chequera N2.</span>
</li>
<li style="margin:0pt 0pt 0pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cuenta de Ahorro: Ahorro Flexible.</span>
</li>
</ol>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En lo que respecta a inversiones a plazo, existen 4 productos sin riesgo con plazos y montos flexibles diseñados para cumplir las necesidades de los clientes, y estos son los siguientes:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ol type="1" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cedes Tasa Fija, que paga intereses mensualmente. Plazos de 90, 180 y 390 días.</span>
</li>
<li style="margin:0pt 0pt 0pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cedes Tasa Variable, que paga intereses mensualmente. La tasa de interés es un porcentaje de los indicadores líderes en el mercado (CETES o TIIE de 28 días). Plazos de 91, 182 y 371, 560 y 721 días.</span>
</li>
<li style="margin:0pt 0pt 0pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Pagaré: Inversión con tasa y plazo fijo desde 1 a 365 días.</span>
</li>
<li style="margin:0pt 0pt 0pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Inversión Express: con tasa y plazo fijo de 1 a 365 días con pago de intereses por adelantado.</span>
</li>
</ol>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para Banca de Negocios tenemos una cuenta de cheques, tanto en moneda nacional como en dólares, con depósitos a la vista y diversas membresías de acuerdo con las necesidades específicas de los clientes. Particularmente tienen asociada una banca electrónica, un número específico de cheques sin cobro y transacciones ilimitadas. Adicionalmente existen cuentas de depósito a plazo para clientes con excedentes que buscan un rendimiento mayor. Y también contamos con el servicio de dispersión de nómina que también ofrece beneficios a sus empleados.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Productos de colocación de recursos: </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Se cuentan con seis principales categorías de productos de crédito para personas físicas, dentro de cada uno de estos créditos, el Banco maneja diversos productos con características distintas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Crédito Anticipo de Nómina </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Producto de financiamiento sin garantía prendaría, dirigido a personas físicas nómina-habientes de HSBC con el fin de proporcionar un crédito en efectivo para satisfacer las necesidades del cliente. Se trata de un esquema de crédito simples, con tasa de interés fija y el monto del financiamiento abonado a la cuenta del cliente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Crédito Personal </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Producto de financiamiento sin garantía prendaría, dirigido a personas físicas de HSBC con el fin de proporcionar un crédito en efectivo para satisfacer las necesidades del cliente. Se trata de un esquema de crédito simples, con tasa de interés fija y el monto del financiamiento abonado a la cuenta del cliente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Crédito Automotriz </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Es un producto que permite la adquisición de un auto nuevo o seminuevo, dirigido a personas físicas. El esquema es de un crédito simple en moneda nacional con plazos desde 6 a 72 meses, tasa de interés fija y sin penalización por prepagos. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Crédito Hipotecario </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Producto de financiamiento con garantía hipotecaria, dirigido a personas físicas, con el fin de adquirir una vivienda, mejorar las condiciones de su hipoteca actual u obtener liquidez de una vivienda.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México ofrece productos de tasa fija en créditos para adquisición de vivienda con pagos fijos o pagos crecientes, lo cual permite obtener una mayor línea de crédito en un inicio, contando con una de las tasas más competitivas del mercado.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Tarjetas de crédito </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Producto dirigido a personas físicas mayores de 18 y menores de 79 años y con ingresos superiores a $5 mil pesos mensuales, a los que se les otorga una línea de crédito revolvente para la adquisición de bienes y/o servicios a través de compras en establecimientos y/o retiros de efectivo en cajeros automáticos en México y en el mundo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Crédito a Negocios </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Nuestro producto de crédito va dirigida a Personas Morales y Personas Físicas con Actividad Empresarial de los segmentos micro y pequeña que comprueben ventas anuales hasta MXN100. Atendemos a estos clientes con una oferta diferenciada de acuerdo con necesidades de financiamiento del cliente. Contamos con una línea de crédito revolvente para capital de trabajo y necesidades de tesorería, conocida como tarjeta HSBC Negocios, este financiamiento le permite al cliente gozar de una línea de hasta MXN7 y MXN10, este último monto considerando una garantía hipotecaria. Además, cubrimos necesidades de financiamiento para adquisición de activo fijo y planes de expansión del negocio bajo el esquema de Crédito Simple. Los montos para esta modalidad cubren hasta los MXN10, con plazos de hasta 5 años y MXN15 con plazos hasta 10 años, considerando de igual forma una garantía hipotecaria para el último monto. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Productos y servicios de Banca de Empresas e Instituciones (CIB) </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los productos y servicios que brinda HSBC México a través de los segmentos que forman parte de CIB son: </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Middle Market (IMM), Business Banking (BB) y </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Estados</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> y Municipios</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Middle</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Market</span><span style="font-family:Arial; font-size:11pt"> (IMM), atiende empresas con facturación mínima de USD50 y potencial de más USD100, operan en múltiples jurisdicciones (con servicios de HSBC en dos o más) y usan más de dos productos, generando un TRI anual mínimo de 250 mil dólares y aportando a una rentabilidad de cartera del 7%; Estados y Municipios, enfocado en el sector público, brindando soluciones financieras para el uso de recursos públicos y atendiendo las necesidades de gobiernos estatales y municipales; y Business </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt"> (BB), que ofrece servicios a pequeñas y medianas empresas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Cuentas a la vista MXN y/o USD</span><span style="font-family:Tahoma; font-size:11pt"></span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cuenta de cheques en Moneda Nacional y/o Dólares, que permite administrar los recursos de la empresa.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Diferentes opciones de Inversión que se adaptan a las necesidades de nuestros clientes, permitiéndoles obtener atractivos rendimientos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ol type="1" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 32.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Pagaré: </span>
</li>
</ol>
<p style="margin:0pt 0pt 0pt 35.45pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Inversión en pesos y/o dólares que le ofrece alternativas para obtener rendimientos atractivos con una tasa de interés fija, y flexibilidad de plazos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ol start="2" type="1" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 31.62pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Fondos de Inversión: </span>
</li>
</ol>
<p style="margin:0pt 0pt 0pt 35.45pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Permite diversificar los recursos de la empresa, eligiendo el Fondo que se adecúe a las necesidades de liquidez de su </span><span style="font-family:Arial; font-size:11pt">tesorería.</span>
</p>
<p style="margin:0pt 0pt 0pt 35.45pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Banca Electrónica </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">HSBCNet</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBCnet</span><span style="font-family:Arial; font-size:11pt"> es una plataforma electrónica fácil, segura y con alcance global, permite realizar operaciones financieras nacionales e internacionales en un mismo lugar de manera intuitiva.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Paquetes “Cuenta Crece Empresarial” y “HSBC Soluciones Empresariales”</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Son paquetes transaccionales que integran diferentes productos y servicios financieros destinados a atender las necesidades de medianas empresas, permitiendo mejorar el manejo y control de sus operaciones bancarias. Ofrecen al cliente alternativas para hacer eficiente la administración de su empresa por una sola cuota mensual.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los beneficios que ofrece esta solución para la atención de las necesidades financieras y administrativas se enlistan a continuación de forma ilustrativa: </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 56.25pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Cuenta de cheques con emisión de un número determinado de cheques sin costo </span>
</p>
<p style="margin:0pt 0pt 0pt 56.25pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Banca Electrónica a través de </span><span style="font-family:Arial; font-size:11pt">HSBCnet</span><span style="font-family:Arial; font-size:11pt"> con transacciones y consultas incluidas (SPEI, TEF, traspasos a cuentas propias, terceros, pago de impuestos)</span>
</p>
<p style="margin:0pt 0pt 0pt 56.25pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Dispersión de nómina ilimitada a través de la banca electrónica </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Soluciones de Cobranza</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Diferentes opciones de Cobranza que permiten el crecimiento comercial de las empresas:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">1.- Terminales Punto de Venta (TPV): Soluciones tecnológicas innovadoras de pagos con tarjeta y de integración de procesos, para que la empresa pueda operar de manera segura sus cobros. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2.- Recepción Automatizada de Pagos (RAP): Permite acreditar todos los pagos recibidos, a través de los diversos medios de acceso que tenemos a disposición de nuestros clientes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">3.- Domiciliación: Servicio a través del cual se realiza en automático la cobranza de la empresa, cargando directamente el importe del cobro en la cuenta (Cheques, Tarjeta de Crédito o Tarjeta de Débito, CLABE Interbancaria).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Tarjetas Comerciales</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Tarjeta solución: Tarjeta de débito empresarial VISA, que puede ser utilizada para viáticos y gastos de caja chica.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Tarjeta de crédito Empresarial y Tarjeta de crédito Corporativa: Tarjetas de crédito para satisfacer las necesidades de control y manejo de gastos de viaje y representación de las empresas</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Alternativas de Financiamiento a las Empresas Medianas</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Crédito Tradicional</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Crédito dirigido a necesidades de liquidez, capital de trabajo, activos fijos, maquinaria, construcción, pago a proveedores o cualquier otra necesidad de financiamiento que tengan las empresas. Esta alternativa se revisada por un oficial de Riesgos, ya que cada crédito se diseña acorde a las necesidades particulares del cliente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Este tipo de financiamiento abarca créditos de corto y largo plazo, con tasas fijas y variables bajo diversos esquemas de garantía.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:12pt; font-weight:bold; font-style:italic">Banca de Gobierno y Estados y Municipios</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México entiende la importancia del sector público en el desarrollo económico del país y las necesidades únicas de la administración pública. Por ello, contamos con áreas especializadas y dedicadas en atención a clientes en Gobierno: Federal, Estatal y Municipal. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los productos y servicios bancarios de HSBC México tienen cobertura a nivel nacional e internacional. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Beneficios: </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Cuentas Productivas e Inversiones </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Dispersiones (Subsidios) </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Recaudación</span>
</p>
<ul type="circle" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Pagos referenciados</span>
</li>
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">CoDi</span>
</li>
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">TPV (Tradicionales y virtuales)</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Banca Electrónica </span><span style="font-family:Arial; font-size:11pt">HSBCnet</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Nómina</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Financiamiento</span>
</p>
<ul type="circle" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Crédito a corto y largo plazo</span>
</li>
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Factoraje</span>
</li>
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Coberturas</span>
</li>
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Emisiones de deuda y bursátiles</span>
</li>
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Estructuración de proyectos (APP)</span>
</li>
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Arrendamiento Financiero</span>
</li>
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Pago a Proveedores </span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Fondos de Inversión, de Ahorro y de Pensiones</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:12pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<br style="page-break-before:always; clear:both" /><span style="font-family:Arial; font-size:12pt; font-weight:bold; font-style:italic">Agronegocios </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Financiamientos al sector agropecuario en todas sus modalidades (Agricultura, Ganadería, Pesca, Silvicultura, Agroindustria, Comercialización de granos e insumos agrícolas y Proveedores de Bienes y Servicios). A continuación, se presentan las características de los mismos.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Tipos de financiamiento:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Préstamos Refaccionarios - créditos a largo plazo para infraestructura, adquisición de maquinaria y equipo, equipamiento, etc.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Préstamos Prendarios - para pignoración de cosechas y comercialización de granos, ganado e insumos.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">FIPP – (Financiamiento Inmediato Pago a Proveedores)</span><span style="font-family:Arial; font-size:10pt"> </span><span style="font-family:Arial; font-size:11pt">crédito en cuenta corriente para cubrir cuentas por pagar de los clientes, por medios electrónicos. </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Préstamos Simples - Financiamiento a mediano y largo plazo documentado mediante contrato, para personas físicas o morales con el fin de apoyar su actividad económica.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Préstamos Quirografarios - Crédito documentado mediante la suscripción de uno o varios pagarés.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Préstamos Cuenta Corriente - Financiamiento que garantiza liquidez a la empresa destinado a cubrir las necesidades eventuales de tesorería y de capital de trabajo transitorio.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Agrocrédito</span><span style="font-family:Arial; font-size:11pt">- Producto financiero </span><span style="font-family:Arial; font-size:11pt">semiparametrizado</span><span style="font-family:Arial; font-size:11pt"> para </span><span style="font-family:Arial; font-size:11pt">PYMEs</span><span style="font-family:Arial; font-size:11pt"> agropecuarias, de rápida resolución, alta rentabilidad; tasa de interés competitiva, PHA a la producción pri</span><span style="font-family:Arial; font-size:11pt">maria</span><span style="font-family:Arial; font-size:11pt"> (Maíz, Sorgo, Trigo, Algodón, Papa, Soya), para clientes con un perfil preestablecido y con necesidades de crédito entre MXN2 y MXN10, dirigido exclusivamente a plazas ubicadas en zonas con alta vocación agropecuaria del producto que se trate. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Tipos de Moneda:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">MXN - para financiar actividades dentro del territorio nacional</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">USD - para financiar actividades relacionadas con Importaciones y Exportaciones</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Tipos de Recursos:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Recursos de FIRA - Fideicomiso de Banco de México (Fideicomiso Instituido con Relación a la Agricultura) a través del cual el banco redescuenta y garantiza financiamientos al sector agropecuario para reforzar la estructura de los créditos y aprovechar subsidios para los productores en mejora de las condiciones de tasa y márgenes.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Recursos de HSBC - Operaciones apoyadas con recursos del banco directamente.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Tasas de Interés y Plazos:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Las tasas pueden variar entre fijas y variables, y los plazos van de acuerdo a los flujos de las empresas y de acuerdo a la actividad a financiar soportados por los proyectos de inversión.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Servicio de Garantía FEGA (Fondo Especial de Asistencia Técnica y Garantía para Créditos Agropecuarios):</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">FIRA ofrece, a través de FEGA, el servicio de cobertura de riesgo en distintos porcentajes de acuerdo a criterios de elegibilidad del propio fondo, que permiten mitigar la exposición del Banco al riesgo crediticio. Este servicio garantiza al Banco la recuperación parcial de los créditos en caso de contingencia.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Apoyos y beneficios adicionales a los programas de crédito agropecuario:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Se cuenta con varios apoyos adicionales para la estructuración de créditos al sector agropecuario como: Seguros agrícolas a través de compañías especializadas, garantías adicionales de FIRA, asistencia técnica en programas de FIRA, beneficio en tasa para programas especiales de FIRA (Z08) entre otros. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:12pt; font-weight:bold; font-style:italic">Productos </span><span style="font-family:Arial; font-size:12pt; font-weight:bold; font-style:italic">Markets</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Productos de </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Foreign</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> Exchange</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Son productos para comprar/vender divisas y gestionar riesgo cambiario (tipo de cambio) los cuales se integran por los siguientes productos:</span>
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<p style="margin:5pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">FX Spot.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">FX Forwards.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">FX Swaps.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">FX </span><span style="font-family:Arial; font-size:11pt">Options</span><span style="font-family:Arial; font-size:11pt">.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Derivados de Tasas</span><span style="font-family:Arial; font-size:11pt; font-style:italic">:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Son Instrumentos para cubrir o transformar exposición a tasas de interés</span><span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:11pt">(fija versus variable), optimizar estructura de deuda y gestionar sensibilidad a movimientos de curvas, los cuales se ofrecen mediante los siguientes productos:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Interest</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Rate</span><span style="font-family:Arial; font-size:11pt"> Swaps.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Cross </span><span style="font-family:Arial; font-size:11pt">Currency</span><span style="font-family:Arial; font-size:11pt"> Swaps.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Interest</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Rate</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Options</span><span style="font-family:Arial; font-size:11pt">.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Productos de Deuda</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Son operaciones sobre títulos de deuda para inversión, gestión de liquidez y financiación con colateral, apoyando necesidades de tesorería y portafolio, los cuales incluyen los siguientes servicios y/o productos:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Compra/venta de títulos de deuda.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Reportos (Repos).</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Reverso de reportos (Reverse Repos).</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Equity</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Son productos de renta variable para ejecución sobre productos listados:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Compra/venta de cash </span><span style="font-family:Arial; font-size:11pt">Equities</span><span style="font-family:Arial; font-size:11pt">.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Creation & Redemption de Exchange Trade Funds.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Productos Seguros</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Nuestra oferta de seguros se realiza a través de nuestros socios comerciales: AXA, Solunion, MAPFRE y Marsh. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Seguros de Vida</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Seguro de Crédito</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Seguros de Accidentes y Enfermedades</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Seguros de Daños</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Seguros a la Medida</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Pago de nómina</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cuenta a la vista para que las empresas depositen de manera, segura, rápida y automática el salario o sueldos de sus empleados.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Global </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Corporates</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Segmento enfocado a empresas con una facturación anual superior a USD2,000 o que generan más de USD2 en ingresos para HSBC y o bien que cumplan con los siguientes criterios: contabilicen ingresos en dos regiones y cuatro mercados, o generen un ingreso directo de 100 mil dólares estadounidenses en </span><span style="font-family:Arial; font-size:11pt">Debt</span><span style="font-family:Arial; font-size:11pt"> Capital Management (DCM), Línea de Crédito (LAF), </span><span style="font-family:Arial; font-size:11pt">Investment</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt"> (IB), </span><span style="font-family:Arial; font-size:11pt">Infrastructure</span><span style="font-family:Arial; font-size:11pt"> Finance (HIF) y </span><span style="font-family:Arial; font-size:11pt">Structured</span><span style="font-family:Arial; font-size:11pt"> Finance (SF). Esta clasificación nos permite identificar clientes de alto valor que requieren atención a necesidades bancarias diversas, sofisticadas y recursos especializados, incluyendo entre ellas estructuraciones de crédito, requerimientos especiales en soluciones de tesorería, productos y servicios de banca de inversión, tales como emisión de deuda en los mercados de valores, instrumentos derivados necesarios para las operaciones de tesorería corporativa tesorería (FX, forwards, swaps, coberturas, inversiones, etc.), soluciones de financiamiento para comercio, incluyendo instrumentos de factoraje comercial nacional e internacional y cartas de crédito; y con operatividad y/o potencial de crecimiento a nivel nacional e internacional. </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Alcance: </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Atención especializada de</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">ejecutivos de cuenta, quienes cuentan con una amplia experiencia en el sector bancario, y conocen a profundidad la complejidad de las operaciones de los grandes corporativos y las necesidades financieras de sus respectivas industrias. </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Equipos de servicio al cliente que, junto a su ejecutivo de cuenta, ofrecen soporte especializado en cualquier momento que se requiera. Dichos equipos poseen gran conocimiento en los diversos productos y servicios que se ofrecen por parte de HSBC México. </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Conocimiento y asesoría en soluciones de financiamiento,</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">que requieren de un equipo especialista que le podrá asesorar en cualquier momento. </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Cobertura nacional con equipos en las principales ciudades del país con disponibilidad de atender a los diferentes grupos corporativos e industrias alrededor de la República Mexicana. </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Amplio espectro de productos ofrecidos: cuenta con todos los productos disponibles en HSBC México, y además conecta a los clientes con la oferta completa de servicios fuera de Mexico. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Institutional</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> Client </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Group</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> (ICG)</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México reconoce el papel fundamental del sector público y las instituciones financieras en el desarrollo económico del país. Nuestro equipo especializado, </span><span style="font-family:Arial; font-size:11pt">Institutional</span><span style="font-family:Arial; font-size:11pt"> Client </span><span style="font-family:Arial; font-size:11pt">Group</span><span style="font-family:Arial; font-size:11pt"> (ICG), se dedica a atender a Grupos de Instituciones Financieras (FIG), el Sector Público (PS) y el Gobierno Federal, ofreciendo soluciones financieras adaptadas a las necesidades específicas de clientes institucionales y entidades clave del gobierno.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los productos y servicios bancarios de HSBC México están disponibles con cobertura tanto nacional como internacional.</span>
</p>
<p style="margin:0pt 0pt 0pt 0.6pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 0.6pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Servicios:</span>
</p>
<p style="margin:0pt 0pt 0pt 0.6pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Conectividades:</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">H2H </span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Banca Electrónica </span><span style="font-family:Arial; font-size:11pt">HSBCnet</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">API´s</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Reportería</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Protección de información sensible: Aseguramos la integridad de datos críticos y personales (ciberseguridad)</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Continuidad de servicios esenciales: Reducimos el riesgo de interrupciones y mejoramos capacidad de recuperación ante incidentes.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Servicios de recaudación </span>
</p>
<ul type="circle" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 65pt; text-indent:0pt; text-align:justify; padding-left:7pt; font-family:serif; font-size:10pt">
<span style="font-family:Arial; font-size:11pt">Cuentas Productivas e Inversiones</span>
</li>
<li style="margin:0pt 0pt 0pt 65pt; text-indent:0pt; text-align:justify; padding-left:7pt; font-family:serif; font-size:10pt">
<span style="font-family:Arial; font-size:11pt">Pagos referenciados</span>
</li>
<li style="margin:0pt 0pt 0pt 65pt; text-indent:0pt; text-align:justify; padding-left:7pt; font-family:serif; font-size:10pt">
<span style="font-family:Arial; font-size:11pt">CoDi</span>
</li>
<li style="margin:0pt 0pt 0pt 65pt; text-indent:0pt; text-align:justify; padding-left:7pt; font-family:serif; font-size:10pt">
<span style="font-family:Arial; font-size:11pt">Domiciliación</span>
</li>
<li style="margin:0pt 0pt 0pt 65pt; text-indent:0pt; text-align:justify; padding-left:7pt; font-family:serif; font-size:10pt">
<span style="font-family:Arial; font-size:11pt">TPV (Tradicionales y virtuales)</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Nómina</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Financiamiento</span>
</p>
<ul type="circle" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Crédito a corto y largo plazo</span>
</li>
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">GTS: </span><span style="font-family:Arial; font-size:11pt">SBLCs</span><span style="font-family:Arial; font-size:11pt">, Factoraje</span>
</li>
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">ECA</span>
</li>
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">ABF´s</span>
</li>
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Emisiones de deuda y bursátiles</span>
</li>
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Estructuración de proyectos (APP)</span>
</li>
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Arrendamiento Financiero</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 72pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Productos Especiales</span>
</p>
<ul type="circle" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 65.6pt; text-indent:0pt; text-align:justify; padding-left:6.4pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">DCM: Emisión de deuda local y transfronteriza</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">MSS: Derivados, opciones de compra, swap de divisas</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">ISV: Fideicomisos MXN y USD</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Comercio Internacional </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México brinda soluciones financieras de Comercio Internacional para nuestros clientes importadores, exportadores y locales que les permitan obtener mejores condiciones de cobros y pagos. A través de Banca Electrónica por Internet, </span><span style="font-family:Arial; font-size:11pt">HSBCnet</span><span style="font-family:Arial; font-size:11pt"> ITS y el sistema AIDA, se puede tener acceso a todos los servicios y productos de comercio internacional en una sola plataforma, que cuenta con los más altos estándares de calidad y seguridad del mercado con reconocimiento mundial.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los productos que ofrece el Banco son:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Cartas de Crédito</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:475.4pt">
<tr style="height:68.05pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:88.2pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cartas de Crédito de Importación</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El importador solicita a su banco garantizar el pago de los bienes y/o servicios a un beneficiario, siempre y cuando se cumplan las condiciones acordadas con su proveedor en la Carta de Crédito. Es un método rápido y seguro para garantizar el pago a los proveedores. Disponible para proyectos verdes/sustentables.</span>
</p>
</td>
</tr>
<tr style="height:68.05pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:88.2pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cartas de Crédito Domésticas</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Proporcionan un método para asegurar el pago y recepción de las mercancías dentro de la República Mexicana. HSBC México emite Cartas de Crédito y los notifica directamente al beneficiario, simplificando los procedimientos, tiempos y costos, ya que sólo necesitan un banco en el país. Disponible para proyectos verdes/sustentables.</span>
</p>
</td>
</tr>
<tr style="height:42.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:88.2pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cartas de Crédito de Exportación</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco notificador/confirmador respalda al exportador y lo protege del riesgo país. Proporcionan un método rápido y seguro para garantizar el pago a los vendedores. Disponible para proyectos verdes/sustentables.</span>
</p>
</td>
</tr>
<tr style="height:68.05pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:88.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Cartas de Crédito </span><span style="font-family:Arial; font-size:11pt">Standby</span><span style="font-family:Arial; font-size:11pt"> y/o Garantía Bancaria a Primer Requerimiento</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Son instrumentos emitidos por cuenta de un solicitante a favor de un beneficiario, a través del cual HSBC México respalda pagos al vencimiento, ya sea por incumplimiento de obligaciones contratadas o por cualquier contingencia de parte del solicitante. Puede utilizarse en lugar de fianzas, prendas y depósitos en efectivo. Disponible para proyectos verdes/sustentables.</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Cobranzas Documentarias </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:475.4pt">
<tr style="height:45.35pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:88.2pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cobranzas Documentarias de Importación</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Es un mecanismo de pago en el que un importador por medio del Banco asegura la entrega de mercancía y el pago de la misma.</span>
</p>
</td>
</tr>
<tr style="height:2.8pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:88.2pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cobranzas Documentarias de Exportación</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Es un mecanismo de pago en el que un exportador utiliza los servicios del Banco para lograr que un importador le pague la mercancía que ya le embarcó.</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Financiamiento Comercio Internacional </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:475.4pt">
<tr>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:88.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Descuento de Letras para Cartas de Crédito de Exportación y Domésticas</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En la negociación de las Cartas de Crédito de Exportación y Domésticas, puede existir el pago anticipado del importe de la letra de cambio, con ello HSBC México apoya al exportador para cubrir sus necesidades de capital de trabajo.</span>
</p>
</td>
</tr>
<tr style="height:104.9pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:88.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Refinanciamiento a Cartas de Crédito de Importación y Domésticas</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Refinanciamiento de Cartas de Crédito de Importación y Domésticas consiste en un financiamiento para pagar el compromiso adquirido sin afectar su flujo de caja. Se otorga cuando el ciclo comercial del Importador/Comprador es mayor al plazo otorgado para cubrir su obligación de pago de la Carta de Crédito. El importador requiere de capital de trabajo por un período específico que le permita financiarse hasta el momento en que venda sus productos.</span>
</p>
</td>
</tr>
<tr style="height:53.85pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:88.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Anticipo de Cobranza Documentaria de Exportación</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Consiste en la operación mediante la cual se anticipan los recursos al exportador mexicano por el importe de su cobranza documentaria con recurso al exportador mexicano, para lo cual el exportador mexicano deberá firmar un pagaré a favor de HSBC México.</span>
</p>
</td>
</tr>
<tr style="height:144.55pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:88.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Financiamiento de Cobranzas Documentarias</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Es utilizado por empresas que no manejan una Carta de Crédito como medio de pago. En la Cobranza Documentaria el exportador/vendedor embarca la mercancía y los documentos comerciales (factura, conocimiento de embarque, certificados de origen, lista de empaque, etc.), se presentan a un banco para realizar la gestión de cobro ya sea a la vista o aceptación. El financiamiento de las Cobranzas Documentarias es el proceso de poner a disposición de los clientes de HSBC México extensiones de crédito para ampliar los ciclos comerciales, siempre y cuando se justifique. Este financiamiento deberá tener como antecedente una cobranza documentaria.</span>
</p>
</td>
</tr>
<tr style="height:45.35pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:88.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Financiamiento a las Ventas Pre-Embarque</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC ofrece este servicio para financiar el costo de la adquisición, fabricación y/u otras actividades previas al envío del producto final asociadas con una orden de compra o crédito documentario. Disponible para proyectos verdes/sustentables.</span>
</p>
</td>
</tr>
<tr style="height:93.55pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:88.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Financiamiento a las compras Pre-Embarque</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Financiamiento a las compras Post-Embarque</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Recursos para financiar el pago a proveedores antes del envío o entrega de los bienes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Recursos para financiar el pago a proveedores después del envío o entrega de los bienes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Disponibles para proyectos verdes/sustentables.</span>
</p>
</td>
</tr>
<tr style="height:52.8pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:88.2pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Financiamiento Inmediato Pago a Proveedores - FIPP</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Es un financiamiento a empresas corporativas para cubrir las cuentas por pagar a proveedores establecidos en territorio nacional, al amparo de una línea de crédito y del servicio de dispersión de acuerdo con las instrucciones de la empresa de manera electrónica.</span>
</p>
</td>
</tr>
<tr style="height:42.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:88.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Financiamiento al Comercio de Materias Primas </span><span style="font-family:Arial; font-size:11pt">(</span><span style="font-family:Arial; font-size:11pt">Commodity</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Trade</span><span style="font-family:Arial; font-size:11pt"> Finance, CTF)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los productos de CTF son préstamos de capital de trabajo estructurados basados en materias primas y en cuentas por cobrar. Disponible para proyectos verdes/sustentables.</span>
</p>
</td>
</tr>
<tr style="height:42.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:88.2pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Plan Piso</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Es una línea de crédito que HSBC México pone a disposición de los Distribuidores Automotrices para financiar la adquisición de automóviles nuevos, inclusive antes de su incorporación al piso de venta.</span>
</p>
</td>
</tr>
<tr style="height:42.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:88.2pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Distribución de Activos (</span><span style="font-family:Arial; font-size:11pt">Trade</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Asset</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Distribution</span><span style="font-family:Arial; font-size:11pt">, TAD)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Participar (comprar) y distribuir (vender) activos comerciales (o más explícitamente la venta o compra de los riesgos que surgen de esos activos) para administrar el crédito, el capital y la liquidez. Disponible para proyectos verdes/sustentables.</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:88.2pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Financiamiento Respaldado por Activos (</span><span style="font-family:Arial; font-size:11pt">Asset</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Based</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Lending</span><span style="font-family:Arial; font-size:11pt">, ABL)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:364.85pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Proporciona financiamiento de capital de trabajo con pleno recurso al Prestatario en función de la valoración consolidada de la Base de Activos. Se aplica el Préstamo a Valor (LTV) apropiado para cada clase de activo elegible.</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México tiene especialistas de Comercio Internacional en toda la república que asesoran a los clientes para elegir el mejor servicio que requieren. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Factoraje </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Ofrece soluciones dirigidas a empresas para optimizar su ciclo de capital de trabajo, con dos perspectivas:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">1) Factoraje a Proveedores:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 35.45pt; text-indent:-21.25pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Descuento Electrónico/Cadenas Productivas </span>
</p>
<p style="margin:0pt 0pt 0pt 55.5pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Medios de pago a proveedores de empresas corporativas sobre sus cuentas por pagar al amparo de una línea de crédito de esta última. A través de este producto, el proveedor puede hacer efectivas sus cuentas por cobrar de forma anticipada cediendo los derechos de cobro de las facturas a HSBC México. Descuento Electrónico está disponible para proyectos sustentables.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En el caso de Cadenas Productivas, el programa es propiedad de Nacional Financiera, quien proporciona los recursos para depositar a los proveedores. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2) Factoraje a Clientes:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Factoraje Con Recurso y/o Con Recurso limitado</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Es la cesión de derechos de crédito que realizan los clientes a HSBC México, a cargo de deudores ubicados en el territorio nacional. A cambio los clientes reciben financiamiento a corto plazo de sus cuentas por cobrar, considerando la posibilidad de que la deuda sea reasignada en caso de incumplimiento por parte del deudor.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los documentos que se pueden adquirir son facturas, contra recibos, pagarés o contratos que sean resultado de bienes o servicios derivados de la actividad comercial del cliente. Disponible para proyectos verdes/sustentables.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Factoraje de Exportación</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Este servicio consiste principalmente en recibir la cesión de derechos de crédito que realiza el exportador mexicano a HSBC México, a cargo de deudores ubicados en el extranjero. A cambio el exportador mexicano recibe financiamiento de sus cuentas por cobrar, protección crediticia y el servicio de cobranza al vencimiento de los documentos. Disponible para proyectos verdes/sustentables.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Nómina </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Nómina HSBC es una solución integral y personalizada, diseñada para clientes empresariales y del sector público. A través de este servicio, los colaboradores acceden a productos y servicios en condiciones preferenciales, como acceso fácil y seguro a sus recursos, protección financiera para ellos y sus familias, así como condiciones preferenciales en productos de crédito, entre otros beneficios.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El modelo operativo de HSBC México es altamente flexible, lo que nos permite adaptarnos a las necesidades específicas de cada organización. Ofrecemos total confiabilidad y soporte en la administración y pago de nómina, garantizando un servicio eficiente tanto para las entidades como para sus colaboradores.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Liquidez Global y Administración de Efectivo (Global </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Payments</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Solutions</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">) </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Global </span><span style="font-family:Arial; font-size:11pt">Payments</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Solutions</span><span style="font-family:Arial; font-size:11pt"> (GPS) ofrece una gran variedad de servicios bancarios a medianas y pequeñas empresas, corporaciones locales y multinacionales, instituciones financieras y sector público. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Somos capaces de satisfacer las expectativas y necesidades de las tesorerías más sofisticadas a través de nuestro equipo de ventas especializado, proceso de implementación y soporte postventa para brindar una mejor experiencia al cliente, teniendo una enorme ventaja competitiva en términos de conectividad global, productos de cobranza, pagos y liquidez y un valor muy importante como es la ciberseguridad.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Una ventaja de Global </span><span style="font-family:Arial; font-size:11pt">Payments</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Solutions</span><span style="font-family:Arial; font-size:11pt"> en HSBC México es la vasta conectividad a nivel mundial del Banco, lo que genera que pueda cubrir las necesidades de sus clientes a nivel global, lo cual lo separa de otros bancos con productos similares dándole ventaja competitiva dentro del mercado.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Con la constante mejora en prevención de fraudes, sus clientes podrán sentirse seguros que para desempeñar las funciones de su negocio cuentan con un socio estratégico capaz de cubrir sus necesidades. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Dentro de los servicios que ofrece HSBC México se encuentran:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Servicios de Pagos: </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Aduanas (Impuestos y Cuenta Aduanera)</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Impuestos Federales, Estatales y Municipales </span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Transferencias Electrónicas (Mismo banco, SPEI, SPID y TEF) </span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Transferencias Internacionales </span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">FX – Compra – Venta de dólares</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">DAP </span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Liquidez: </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Barridos de Cuentas </span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cuentas de Cheques a la Vista (pesos o dólares) </span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Inversiones a Plazo (pesos o dólares)</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Productos de Cobranza: </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Domiciliación </span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">RAP </span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Procesamiento y Dotación de Efectivo</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Impuestos Estatales y Municipales </span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cobranza Referenciada </span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">CoDi</span><span style="font-family:Arial; font-size:11pt"> </span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Insurance</span><span style="font-family:Arial; font-size:11pt"> y </span><span style="font-family:Arial; font-size:11pt">Investment</span><span style="font-family:Arial; font-size:11pt">:</span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Fondos de Inversión</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Mesa de Dinero (Reporto)</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Tarjetas Comerciales: </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Tarjeta de Débito Empresarial (Tarjeta Solución) </span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Tarjeta de Crédito Corporativa </span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Tarjeta de Crédito Empresarial </span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Diversos Canales: </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">HSBCnet</span><span style="font-family:Arial; font-size:11pt"> Conectividad Host </span><span style="font-family:Arial; font-size:11pt">to</span><span style="font-family:Arial; font-size:11pt"> Host segmentando en dos partes: HSBC </span><span style="font-family:Arial; font-size:11pt">Connect</span><span style="font-family:Arial; font-size:11pt"> y Conexión Corporativa</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">SWIFT Net</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Reportes de transacción y estados de cuenta</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Web </span><span style="font-family:Arial; font-size:11pt">Services</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 54.1pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Times New Roman'; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">APIs</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Global </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Markets</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para la cartera de clientes de Banca Empresarial (CIB), el área de ventas de Global </span><span style="font-family:Arial; font-size:11pt">Markets</span><span style="font-family:Arial; font-size:11pt"> brinda diferentes soluciones a través de sus productos, de operaciones cambiarias, así como también coberturas de tasa de interés y tipo de cambio.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cualquier empresa que tenga la necesidad de hacer un pago o cobro diferente a su moneda funcional, requiere de una operación cambiaria y nosotros tenemos una gran variedad de soluciones para todos y cada uno de los clientes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para los clientes que requieran tener certeza de aquellos flujos futuros en una moneda sobre la cual estén expuestos a un riesgo de mercado y quieran contar con un producto que les permita realizar una planeación financiera dentro de su balance contable, se les puede ofrecer coberturas de tipo de cambio siendo algunos ejemplos: forwards, opciones y swaps.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Si dentro del balance de una empresa se cuenta con pasivos de largo plazo asociados a una tasa de interés flotante corriendo el cliente el riesgo de que ésta pueda fluctuar a </span><span style="font-family:Arial; font-size:11pt">niveles que no tenga la capacidad de hacerle frente a esta obligación, se puede contar con coberturas que mitiguen esta incertidumbre, ya sea fijar la tasa o poner un techo. Dentro de los productos más comunes se cuentan los swaps y caps.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Productos de otras Compañías del Grupo Financiero HSBC </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">El Banco promueve y vende algunos productos de otras subsidiarias del Grupo Financiero HSBC a través de sus canales de distribución, con la finalidad de darle un mejor servicio al cliente al ofrecerle una amplia gama de productos que cubran sus necesidades, al tiempo que incrementa la venta cruzada en sus productos. Algunos de estos productos son Seguros y Fondos de Inversión.</span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Las operaciones de HSBC México se encuentran distribuidas en 7 divisionales: centro, metro norte, metro sur, noroeste, norte, occidente y sureste; y tiene presencia en los 31 estados de la República Mexicana y la Ciudad de México. </span>
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<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025 el Banco contaba con 727 sucursales y 5,021 cajeros automáticos que se han remodelado paulatinamente en los últimos años con el fin de mejorar la calidad de la experiencia de sus clientes. En octubre del 2025 se incorporaron a </span><span style="font-family:Arial; font-size:11pt">Multired</span><span style="font-family:Arial; font-size:11pt"> dos bancos </span><span style="font-family:Arial; font-size:11pt">Bancoppel</span><span style="font-family:Arial; font-size:11pt"> y Multiva lo cual incrementó los puntos de contacto en 11,800 </span><span style="font-family:Arial; font-size:11pt">ATMs</span><span style="font-family:Arial; font-size:11pt"> distribuidos en todo el país para realizar operaciones de retiro de efectivo y consulta de saldo sin costo de comisión para clientes de cualquiera de las 8 instituciones bancarias (HSBC, </span><span style="font-family:Arial; font-size:11pt">BancoCoppel</span><span style="font-family:Arial; font-size:11pt">, Scotiabank, Inbursa, BanBajío, </span><span style="font-family:Arial; font-size:11pt">Banregio</span><span style="font-family:Arial; font-size:11pt">, Mifel y Banco Multiva) que pertenecen a esta alianza.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Adicionalmente a los canales de distribución tradicionales, HSBC México ha iniciado el desarrollo de canales de distribución alternos para la prestación de servicios y ofrecimiento de productos desde la comodidad de la casa u oficina de sus clientes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Contact</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> Center </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
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<span style="font-family:Arial; font-size:11pt">Es un área especializada en servicio a clientes mediante la cual, vía telefónica, los clientes pueden llevar a cabo pagos de tarjetas de crédito, transferencias de fondos entre cuentas propias. </span><span style="font-family:Arial; font-size:11pt">Contact</span><span style="font-family:Arial; font-size:11pt"> Center cuenta con tecnología de vanguardia para garantizar la seguridad de sus clientes y está disponible en un amplio horario, atendiendo a nuestros clientes las 24 horas, los 365 días del año en reporte de tarjetas. Adicionalmente, a través del chat dentro de nuestra aplicación Móvil y de la Banca por Internet se ofrecen servicios que pueden ser atendidos por agentes del </span><span style="font-family:Arial; font-size:11pt">Contact</span><span style="font-family:Arial; font-size:11pt"> Center como una alternativa.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:normal"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Banca por Internet </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
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<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Banca por Internet </span><span style="font-family:Arial; font-size:11pt; font-weight:normal">ofrece una amplia gama de operaciones financieras pensadas especialmente en las necesidades de sus clientes (personas físicas). Entre las operaciones que se puede realizar se encuentran el pago de servicios y contratación de productos en línea, activación de meses sin intereses, consulta de saldos, movimientos y de estados de cuenta electrónicos desde la comodidad </span><span style="font-family:Arial; font-size:11pt; font-weight:normal">de su hogar u oficina los clientes pueden realizar operaciones en un marco de completa seguridad y confidencialidad sin tener que acudir a una sucursal bancaria. Adicional se tiene disponible el canal de chat dentro de la página para recibir soporte cuando el cliente lo necesite desde una plataforma accesible y segura.</span>
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<p style="margin:0pt 0pt 0pt 35.4pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Nuestra Banca por Internet cuenta con 4.42 millones de clientes registrados a cierre de diciembre 2025 los cuales realizaron 8.8 millones de transacciones financieras en el año.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Banca móvil </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
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<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">HSBC Móvil </span><span style="font-family:Arial; font-size:11pt">es una aplicación que da el servicio de banca por internet a través de un dispositivo móvil para Personas Físicas, Personas Físicas con Actividad Empresarial. La aplicación cuenta con diferentes servicios como poder consultar saldos y movimientos de sus cuentas, traspasar entre sus cuentas o a cuentas destino de terceros, pagar servicios, tarjetas de crédito, pagar y consultar créditos, transferir fondos a través de SPEI, disposición de efectivo de tarjeta de crédito HSBC, descargar estados de cuenta electrónicos para tarjeta de débito y crédito, realizar bloqueo y desbloqueo de tarjetas de débito y crédito pago de impuestos con línea de captura, retiro sin tarjeta, contratar servicios y productos. Adicional se tiene disponible el canal de chat dentro de la aplicación para recibir soporte cuando el cliente lo necesite desde una plataforma accesible y segura.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La aplicación de HSBC México tiene más de 4.3 millones de clientes registrados, en 2025 han generado 272 millones de transacciones financieras, lo cual representa un crecimiento anual de 22% vs 2024.</span>
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<span style="font-family:Arial; font-size:8pt; font-style:italic"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Alianzas Comerciales (Corresponsales Bancarios)</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
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<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Son socios comerciales, que bajo la figura de Comisionista Bancario (corresponsal) pueden recibir operaciones financieras en efectivo a nombre de HSBC México como: depósitos en efectivo, pagos de tarjetas de crédito HSBC con los siguientes corresponsales: Oxxo, </span><span style="font-family:Arial; font-size:11pt">Finabien</span><span style="font-family:Arial; font-size:11pt">, Soriana, Farmacias del Ahorro, </span><span style="font-family:Arial; font-size:11pt">Yastas</span><span style="font-family:Arial; font-size:11pt"> y Chedraui teniendo en su conjunto a más de 39,400 puntos de contacto en todo el país; adicionalmente en </span><span style="font-family:Arial; font-size:11pt">Finabien</span><span style="font-family:Arial; font-size:11pt"> se pueden realizar pagos de servicios (</span><span style="font-family:Arial; font-size:11pt">RAPs</span><span style="font-family:Arial; font-size:11pt">) y contribuciones, retiro de efectivo y consulta de saldo de cuentas de débito.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Estrategia 2025 </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Los resultados se ven impactados positivamente derivado de la recuperación en la actividad comercial. En</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">HSBC México nos encontramos sólidos, bien capitalizados, con fuertes reservas y con la confianza del Grupo Financiero que nos reconoce como una franquicia prioritaria.</span>
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<p style="margin:0pt 0pt 12pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">A continuación, se muestran los avances por línea de negocio:</span><br style="page-break-before:always; clear:both" /><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">International </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Wealth</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> y Premier </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Banking</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> (IWPB) </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">El resultado antes de impuestos para los doce meses de 2025 fue de MXN1,874, un decremento de MXN816 o el </span><span style="font-family:Arial; font-size:11pt">30.3% </span><span style="font-family:Arial; font-size:11pt">en comparación con MXN2,690 para el mismo período en 2024. El principal factor que influyó en este resultado fueron otros ingresos/(egresos) de la operación. Con la integración del resultado de tesorería, el resultado antes de impuestos fue de MXN2,851.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Nuestra aspiración estratégica es convertirnos en el banco premium para clientes internacionales, de banca patrimonial y de nómina en México. Para lograrlo, transformaremos el negocio de IWPB (</span><span style="font-family:Arial; font-size:11pt">Retail</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt">) enfocándonos en una base de clientes de alto poder adquisitivo, respaldada por nuestras propuestas de valor Premier 3.0, HSBC </span><span style="font-family:Arial; font-size:11pt">One</span><span style="font-family:Arial; font-size:11pt"> (2026) y nómina, que servirá como plataforma para mantener la colaboración con Banca de Empresas e Instituciones.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 12pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Incrementar nuestra base de clientes Afluentes y vinculación</span>
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<p style="margin:0pt 0pt 12pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Buscamos incrementar nuestra base de clientes activos en los segmentos de clientes afluentes respaldando un aumento de la participación del ingreso de </span><span style="font-family:Arial; font-size:11pt">Wealth</span><span style="font-family:Arial; font-size:11pt"> y fortaleciendo nuestra vinculación en estos segmentos.</span>
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<p style="margin:0pt 0pt 12pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En agosto de 2025 ejecutamos el relanzamiento nuestra propuesta de valor Premier 3.0 que integra 4 pilares principales: Patrimonio, Salud, Viajes e Internacional con beneficios premium para el segmento. Durante el lanzamiento tuvimos eventos para clientes HSBC, así como eventos internos con el equipo comercial.</span>
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<p style="margin:0pt 0pt 12pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Establecimos 5 Centros de </span><span style="font-family:Arial; font-size:11pt">Wealth</span><span style="font-family:Arial; font-size:11pt"> en diferentes ciudades de la república mexicana, incluyendo 2 en Ciudad de México, 1 en Monterrey 1 en Guadalajara y 1 en Mérida. Estos centros especializados son clave para proporcionar soluciones patrimoniales a nuestros clientes afluentes.</span>
</p>
<p style="margin:0pt 0pt 12pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Fortalecer la colaboración y apoyar el crecimiento de Banca empresas e Instituciones</span>
</p>
<p style="margin:0pt 0pt 12pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Ampliaremos nuestra propuesta de Nómina en colaboración con Banca Empresas e Instituciones, enfocándonos en clientes afluente y clientes estratégicos de Banca empresarial. El negocio de Nómina es vital para México, con 3.1 millones de clientes activos, y sirve como base para relaciones transaccionales más amplias desde Banca Mayoristas hasta Banca Empresarial. Esto contribuye a una estructura de fondeo más eficiente en costos y mejora el perfil de riesgo del banco al asegurar una fuente de fondos clara y trazable. Con una participación de mercado actual de 11%, existe potencial para expandir el negocio de nómina.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México se encuentra continuamente lanzando productos y servicios que complementen su gama de servicios. Para ello, se realizan investigaciones de mercado vía encuestas, </span><span style="font-family:Arial; font-size:11pt">focus</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">groups</span><span style="font-family:Arial; font-size:11pt">, entre otras.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Asimismo, el banco ha invertido fuertemente en productos digitales ya que la migración de transacciones a canales digitales es prioridad. Este año, se liberó la función de apertura de productos de inversión a plazo por medio de la App HSBC para facilitarle la </span><span style="font-family:Arial; font-size:11pt">contratación de este producto a los clientes. Además, el 57% del volumen transaccional fue por canales digitales, se espera que esta cifra crezca a 66% para el 2026.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 12pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">2) Banca de Empresas e Instituciones (</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Corporate</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> and </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Institutional</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Banking</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">) </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El resultado antes de impuestos para los doce meses de 2025 fue de MXN6,154, un decremento de MXN2,207 o el </span><span style="font-family:Arial; font-size:11pt">26.4% </span><span style="font-family:Arial; font-size:11pt">en comparación con MXN8,361 para el mismo período en 2024, principalmente a la estimación preventiva para riesgos crediticios, considerando las liberaciones del año pasado en comparación con un escenario habitual de provisiones crediticias este año, junto con menores ingresos netos por intereses y gastos administrativos alineados con los del año pasado, a pesar de la presión inflacionaria. Con la integración del resultado de tesorería, el resultado antes de impuestos fue de MXN5,869.</span>
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<span style="font-family:Arial; font-size:11pt">Se realizó la cuarta edición de la ceremonia de premiación “</span><span style="font-family:Arial; font-size:11pt">Leading</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Companies</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">on</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Sustainable</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Innovation</span><span style="font-family:Arial; font-size:11pt">”, que reconoce a empresas con operaciones en México que están avanzando en sus estrategias de sostenibilidad. Este evento está alineado con el compromiso de sostenibilidad de HSBC y se desarrolló en colaboración con EY. El programa creció un 20%, con 187 estrategias presentadas y 12 empresas ganadora.</span>
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<span style="font-family:Arial; font-size:11pt">HSBC ha participado en tres préstamos sindicados sostenibles (Social y Green), cada uno con una participación final superior a USD100. Estas facilidades apoyan a nuestros clientes en el logro de diversos objetivos estratégicos, incluyendo la reducción de emisiones de carbono, el impulso a la inclusión digital, la transición hacia vehículos eléctricos e híbridos, y el aumento del consumo de energía renovable. Esta actividad refuerza el compromiso continuo de HSBC con la generación de resultados ambientales positivos y el impulso de un impacto sostenible. </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">3) Servicios de Mercados y Valores (MSS – </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Market</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> and </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Securities</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Services</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">) </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El resultado antes de impuestos para los doce meses de 2025 fue una utilidad de MXN1,207, un incremento de MXN944 que representa más del 100% comparado con la utilidad de MXN263 para el mismo período en 2024. Con la integración del resultado de tesorería, el resultado antes de impuestos fue de MXN2,926.</span>
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<span style="font-family:Arial; font-size:11pt">HSBC </span><span style="font-family:Arial; font-size:11pt">Group</span><span style="font-family:Arial; font-size:11pt"> Management </span><span style="font-family:Arial; font-size:11pt">Services</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Limited</span><span style="font-family:Arial; font-size:11pt"> es el titular de la marca “HSBC” y de su signo distintivo. HSBC México los utiliza al amparo de contratos de licencia de uso de marca celebrados con HSBC </span><span style="font-family:Arial; font-size:11pt">Group</span><span style="font-family:Arial; font-size:11pt"> Management </span><span style="font-family:Arial; font-size:11pt">Services</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Limited</span><span style="font-family:Arial; font-size:11pt">.</span>
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<span style="font-family:Arial; font-size:11pt">“HSBC” es la marca más importante del Banco; es su signo distintivo en el mercado mexicano y en el mercado internacional.</span>
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<span style="font-family:Arial; font-size:11pt">Asimismo, el Banco es titular de marcas y nombres comerciales relativos a sus productos y servicios. Las marcas y nombres comerciales que utiliza en el curso </span><span style="font-family:Arial; font-size:11pt">ordinario de sus negocios se encuentran vigentes o en proceso de renovación. A continuación, se muestran algunas de las marcas más significativas de que usa el Banco:</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:148.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Titular</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Estado de Trámite</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Fecha de expedición</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:68.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Fecha de renovación</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:104.9pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">"HSBC”</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:148.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC Group Management Services Limited</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Registrada</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">24/07/1995</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:68.75pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">18/09/2034</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:104.9pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC Premier</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:148.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC Group Management Services Limited</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Registrada</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">04/02/2009</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:68.75pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">19/09/2027</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:104.9pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC </span><span style="font-family:Arial; font-size:11pt">Advance</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:148.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC Group Management Services Limited</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Registrada</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">31/07/2009</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:68.75pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">08/07/2029</span>
</p>
</td>
</tr>
<tr style="height:12.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:104.9pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC </span><span style="font-family:Arial; font-size:11pt">Fusion</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:148.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">HSBC Group Management Services Limited</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Registrada</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">21/08/2018</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:68.75pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">01/08/2027</span>
</p>
</td>
</tr>
<tr style="height:26.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:104.9pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Conecta TV </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:148.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Registrada</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">12/11/2013</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:68.75pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">14/11/2032</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:104.9pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC 2NOW</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:148.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC Group Management Services Limited</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Registrada</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">09/03/2018</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:68.75pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">13/12/2027</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:104.9pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC ABRIENDO UN MUNDO DE POSIBILIDADES</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:148.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC Group Management Services Limited</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Registrada</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">26/10/2021</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:68.75pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">26/10/2031</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:104.9pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">FINANZAS CLARAS, CUENTAS SANAS</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:148.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; background-color:#ffffff">HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Registrada</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:70.1pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">25/01/2023</span>
</p>
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<span style="font-family:Arial; font-size:11pt">25/01/2033</span>
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<span style="font-family:Arial; font-size:11pt">HIPOTECA+ HSBC</span>
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<span style="font-family:Arial; font-size:11pt; background-color:#ffffff">HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC</span>
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<span style="font-family:Arial; font-size:11pt">Registrada</span>
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<span style="font-family:Arial; font-size:11pt">02/07/2024</span>
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<span style="font-family:Arial; font-size:11pt">02/07/2034</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">HSBC México se encuentra continuamente lanzando productos y servicios que complementen su gama de servicios. Para ello, se realizan investigaciones de mercado vía encuestas, </span><span style="font-family:Arial; font-size:11pt">focus</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">groups</span><span style="font-family:Arial; font-size:11pt">, entre otras. Los montos invertidos en dichos estudios son variables.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Durante los ejercicios concluidos el 31 de diciembre de 2025, 2024 y 2023, HSBC México celebró algunos contratos con proveedores que por su monto superior a un millón de dólares y naturaleza son considerados por HSBC México como significativos. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">El Banco cuenta con contratos de prestación de servicios a la fecha de este reporte, por virtud de los cuales recibe servicios de administración de recursos humanos, control de gastos, administración de inmuebles y mantenimiento, administración de obras y proyectos, comunicación interna, servicios de inmuebles y derivados, servicios de sistemas, adquisiciones, servicios internos, contabilidad y fiscal, jurídico, tesorería, centro de documentos e información, operación, capacitación y desarrollo, entre otros. </span>
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<span style="font-family:Arial; font-size:11pt">Para todos los contratos anteriormente mencionados, no existe riesgo de que la renovación pueda verse afectada.</span>
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<span style="font-family:Arial; font-size:11pt">Al cierre de diciembre 2025, los créditos otorgados a los 10 clientes más grandes de HSBC México ascendieron a un total de MXN60,646, monto que representa el 20.98% del total de la cartera comercial, incluyendo contingentes.</span>
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<span style="font-family:Arial; font-size:11pt">Los créditos otorgados a estos clientes se encuentran distribuidos en los siguientes sectores: Energía 39%, Contratistas e infraestructura 19%, Servicios 16%, Bebidas y Alimentos 14% y otros 12%.</span>
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<span style="font-family:Arial; font-size:11pt">A continuación, se presenta un resumen de algunas de las principales disposiciones legales aplicables al sistema bancario en México, así como el efecto de éstas en el desarrollo de negocio. El resumen siguiente es sólo enunciativo mas no limitativo.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Las operaciones de HSBC México están reguladas por la LIC, la Ley de Banco de México, la Ley para la Transparencia y Ordenamiento de los Servicios Financieros, Ley del Mercado de Valores, Ley de Sistemas de Pagos y las regulaciones emitidas por Banxico, la SHCP, la CNBV (Ley de la CNBV) y la CONDUSEF. Dichas operaciones están sujetas a la inspección y supervisión de la SHCP, Banxico, la CNBV y de la CONDUSEF.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Las autoridades del sistema financiero en México están integradas por la Secretaría de Hacienda y Crédito Público (SHCP), el Banco de México (Banxico), la Comisión Nacional Bancaria y de Valores (CNBV), el Instituto para la Protección al Ahorro Bancario (IPAB), la Comisión Nacional de Seguros y Fianzas (CNSF), la Comisión Nacional del Sistema de Ahorro para el Retiro (CONSAR) y la Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (CONDUSEF).</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">La SHCP es responsable de regular lo relativo a los ingresos del gobierno federal, entre estos ingresos los denominados impuestos, contribuciones, derechos, que las personas y empresas tienen que pagar al gobierno federal, así como la responsabilidad de establecer los gastos que el gobierno va a realizar en un determinado periodo, así como el grado de endeudamiento del mismo. En materia financiera, la SHCP es responsable de planear, coordinar, evaluar y vigilar el sistema bancario nacional, para lo cual tiene la facultad de emitir normas que regulen a las oficinas de representación y las filiales de entidades financieras del exterior.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Banxico es el responsable de formular e implantar la política monetaria del país, opera como banco de reserva, regula el mercado de divisas, así como el mercado monetario, de reportos y de derivados y supervisa la cámara de compensación de los bancos mexicanos. A través de sus circulares, funge como ente regulador para el sano desarrollo del sistema financiero, emitiendo normas que regulan las operaciones activas, pasivas y de servicios que ofrecen las instituciones de crédito, así como respecto a comisiones y tasas de interés.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">La CNBV es un órgano desconcentrado de la SHCP, con autonomía técnica y facultades ejecutivas. La CNBV tiene como objeto supervisar y regular, en el ámbito de su competencia, a las entidades financieras, a fin de procurar su estabilidad y correcto funcionamiento, así como mantener y fomentar el sano y equilibrado desarrollo del sistema financiero en su conjunto, en protección de los intereses del público, así como supervisar y regular a las personas físicas y demás personas morales, cuando realicen actividades previstas en las leyes relativas al citado sistema financiero.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">De conformidad con el Reglamento Interior de la CNBV, entre las entidades financieras sujetas a su supervisión se encuentran, entre otras, Grupos Financieros, Instituciones de Crédito, Casas de Bolsa, Sociedades Operadoras de Fondos de Inversión, Sociedades Financieras de Objeto Múltiple Reguladas, oficinas de representación de entidades financieras del exterior y sociedades autorizadas para operar con modelos novedosos. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">A su vez, la CNBV es responsable de inspeccionar a las instituciones bancarias y de monitorear sus políticas y procedimientos internos, emite disposiciones aplicables a los bancos, autoriza las políticas de inversión de los mismos, supervisa los nombramientos de las personas designadas para actuar como consejeros y comisarios de un banco o sociedad controladora de servicios financieros sujetas a su inspección, así como de los principales funcionarios. Entre otras actividades, respecto de las entidades sujetas a supervisión, revisa los niveles de capitalización, la calificación de la cartera de créditos, de riesgos y la estructura de vencimiento de activos y pasivos.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">La CNBV puede imponer sanciones administrativas y multas, en virtud del incumplimiento de dichas instituciones a legislación y preceptos regulatorios que les son aplicables a cada una de éstas.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">El principal instrumento orgánico para la CNBV es la Ley de la Comisión Nacional Bancaria y de Valores, a través de la cual supervisa y regula en el ámbito de su competencia a las entidades integrantes del sistema financiero mexicano, a fin de procurar su estabilidad y correcto funcionamiento, así como mantener y fomentar el sano y equilibrado desarrollo de dicho sistema en su conjunto, en protección de los intereses del público.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">El IPAB es la institución del Gobierno Federal encargada de administrar el Seguro de Depósitos Bancarios en beneficio y protección de los ahorradores.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">El Seguro de Depósitos Bancarios tiene como características fundamentales garantizar hasta por 400 mil </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">, los depósitos bancarios de las personas físicas o morales, conforme a las condiciones establecidas en la propia Ley de Protección al Ahorro Bancario.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">El Seguro de Depósitos que administra el IPAB protege los depósitos, préstamos y créditos a que se refieren las fracciones I y II del artículo 46 de la Ley de Instituciones de Crédito.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Asimismo, otra de las funciones del IPAB es otorgar apoyo financiero a las instituciones de crédito con problemas de solvencia para que tengan los recursos necesarios para cumplir con el nivel de capitalización que establece la regulación, de igual manera, establece los mecanismos para la liquidación de instituciones de crédito en estado de </span><span style="font-family:Arial; font-size:11pt">quiebra y con ello otorgar seguridad en la entrega de los recursos de la institución de crédito quebrada a sus acreedores.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
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<span style="font-family:Arial; font-size:11pt">La CONDUSEF, es un organismo público descentralizado con personalidad jurídica y patrimonio propio y domicilio en la Ciudad de México.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Tiene como objeto la protección y defensa de los derechos e intereses del público usuario de los servicios financieros, que prestan las instituciones públicas, privadas y del sector social debidamente autorizadas, así como regular la organización, procedimientos y funcionamiento de la entidad pública encargada de dichas funciones; mismas actividades que lleva a cabo a través de las atribuciones que le confiere el artículo 11 de la Ley de Protección y Defensa al Usuario de Servicios Financieros.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:normal">Tiene como prioridad procurar la equidad en las relaciones entre los usuarios de servicios financieros y las instituciones financieras, otorgando a los primeros elementos para fortalecer la seguridad jurídica en las operaciones que realicen y en las relaciones que establezcan con las segundas, promoviendo, asesorando, protegiendo y defendiendo los derechos e intereses de los usuarios frente a las instituciones financieras.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Otorgamiento de autorizaciones</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para organizarse y operar como institución de banca múltiple se requiere autorización del Gobierno Federal, que compete otorgar discrecionalmente a la CNBV, previo acuerdo de su Junta de Gobierno y opinión favorable de Banxico. Por su naturaleza, estas autorizaciones serán intransmisibles.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Nuevas sucursales </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las instituciones de banca múltiple requieren que la CNBV autorice sus programas anuales sobre el establecimiento de sucursales en el país y en el extranjero, así como para la transmisión del activo o pasivo de sus sucursales. Asimismo, se debe insertar en una publicación periódica, un aviso dirigido al público que contenga la información relativa a la apertura, reubicación o clausura de alguna sucursal, con una anticipación de quince días a la fecha en que se tenga programada. </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Capitalización </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El capital mínimo suscrito y pagado para las instituciones de banca múltiple será el equivalente en moneda nacional al valor de noventa millones de </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt"> para bancos que realizan todas las actividades del artículo 46 de la LIC. La CNBV, previo acuerdo de su Junta de Gobierno determinará mediante disposiciones de carácter general el importe del capital mínimo con que deberán contar las instituciones de banca múltiple, en función de las operaciones que tengan expresamente contempladas en sus estatutos sociales, la infraestructura necesaria para su desarrollo, los mercados en que pretendan participar y los riesgos que conlleve, entre otros.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En ningún caso el capital mínimo suscrito y pagado aplicable a una institución de banca múltiple podrá ser inferior al equivalente al cuarenta por ciento del capital mínimo previsto para las instituciones que realicen todas las operaciones previstas en el artículo 46 de la LIC para las instituciones que no realizan todas las operaciones del artículo en comento.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El monto del capital mínimo con el que deberán contar las instituciones tendrá que estar suscrito y pagado a más tardar el último día hábil del año de que se trate. Al efecto, se considerará el valor de las </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt"> correspondientes al 31 de diciembre del año inmediato anterior.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El capital mínimo deberá estar íntegramente pagado. Cuando el capital social exceda del mínimo, deberá estar pagado, por lo menos, en un cincuenta por ciento, siempre que este porcentaje no sea inferior al mínimo establecido.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Cuando una institución de banca múltiple anuncie su capital social, deberá al mismo tiempo anunciar su capital pagado.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Las instituciones de banca múltiple sólo estarán obligadas a constituir las reservas de capital previstas en la LIC y en las disposiciones administrativas expedidas con base en la misma para procurar la solvencia de las instituciones, proteger al sistema de pagos y al público ahorrador.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Estándares de Basilea </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las Reglas para los Requerimientos de Capitalización de las Instituciones de Banca Múltiple y las Sociedades Nacionales de Crédito, Instituciones de Banca de Desarrollo, emitidas por la SHCP el 27 de noviembre de 2007, establecían que el riesgo de crédito se podrá aplicar a alguno de los dos enfoques, un método estándar y otro basado en calificaciones internas, este último de tipo básico o avanzado y cuyo uso estaría sujeto a la aprobación de la CNBV. En lo que se refiere al riesgo de mercado, las instituciones utilizarían el método estándar. Para el riesgo operacional únicamente se podrían aplicar distintos métodos de complejidad creciente conforme a lo que se establece en las Reglas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Adicionalmente se modificó el criterio de cómputo de las operaciones para considerar los requerimientos de capital por riesgos de mercado, los requerimientos de capital por riesgo de crédito, los requerimientos de capital por riesgo operacional, así como el capital neto, se determinarán con base en saldos al último día del mes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Estas reglas se encontraban vigentes desde el 1° de enero de 2008 para aplicarse en el cómputo de capital del mes de enero del mismo año. En el caso de riesgo operacional existía una regla transitoria para su implementación de manera gradual durante 36 meses.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En las modificaciones de abril del 2010 se incorporó las definiciones de</span><span style="font-family:Arial; font-size:11pt">:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-indent:-30.6pt; text-align:justify; padding-left:30.6pt">
<span style="font-family:Arial; font-size:11pt">Cartera Crediticia o Cartera de Crédito:</span>
</p>
<p style="margin:0pt; text-indent:-30.6pt; text-align:justify; padding-left:30.6pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">De Consumo: a los créditos directos, incluyendo los de liquidez que no cuenten con garantía de inmuebles, denominados en moneda nacional, extranjera, en </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">, o en VSM, así como los intereses que generen, otorgados a personas físicas, derivados de operaciones de tarjeta de crédito, de créditos personales, de créditos para la adquisición de bienes de consumo duradero (conocidos como ABCD), que contempla entre otros al crédito automotriz y las operaciones de arrendamiento financiero que sean celebradas con personas físicas; incluyendo </span><span style="font-family:Arial; font-size:11pt">aquellos créditos otorgados para tales efectos a los exempleados de las instituciones.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Hipotecaria de Vivienda: a los créditos directos denominados en moneda nacional, extranjera, en </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">, o en VSM, así como los intereses que generen, otorgados a personas físicas y destinados a la adquisición, construcción, remodelación o mejoramiento de la vivienda sin propósito de especulación comercial; incluyendo aquellos créditos de liquidez garantizados por la vivienda del acreditado y los otorgados para tales efectos a los exempleados de las instituciones.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Comercial: a los créditos directos o contingentes, incluyendo créditos puente denominados en moneda nacional, extranjera, en </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">, o en VSM, así como los intereses que generen, otorgados a personas morales o personas físicas con actividad empresarial y destinados a su giro comercial o financiero; incluyendo los otorgados a entidades financieras distintos de los de préstamos interbancarios menores a 3 días hábiles; las operaciones de factoraje y operaciones de arrendamiento financiero que sean celebradas con dichas personas morales o físicas; los créditos otorgados a fiduciarios que actúen al amparo de fideicomisos y los esquemas de crédito comúnmente conocidos como “estructurados”. Asimismo, quedarán comprendidos los créditos concedidos a entidades federativas, municipios y sus organismos descentralizados, cuando sean objeto de calificación de conformidad con las disposiciones aplicables. </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las instituciones, al clasificar un determinado crédito como de Consumo, Hipotecario de Vivienda o Comercial, aplicarán supletoriamente el criterio D-1 “Balance General” de la serie D de los Criterios Contables.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La Cartera Crediticia estará sujeta a calificación sin incluir aquellos créditos a cargo del Gobierno Federal o con garantía expresa de la Federación, registrados ante la Unidad de Crédito Público de la SHCP, del IPAB o de Banxico.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Con fecha 28 de noviembre de 2012, fue publicada en el DOF la “Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito” (la Resolución). Dicha Resolución tiene el objeto de fortalecer la composición del capital neto de las instituciones de crédito de manera consistente con el más reciente consenso internacional en la materia, conforme a los lineamientos establecidos por el Acuerdo de Capital emitido por el Comité de Supervisión Bancaria de Basilea (Acuerdo de Basilea III). La Resolución entró en vigor a partir del 1 de enero de 2013, excepto por lo dispuesto en los artículos transitorios de la misma, que estipulan la entrada en vigor de ciertas disposiciones en fechas posteriores.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Asimismo, con fecha 31 de diciembre de 2014, fue publicada en el DOF una nueva modificación a las Disposiciones de carácter general aplicables a las instituciones de crédito. Dicha modificación estableció varios cambios a las reglas de capitalización, en particular impactando el cálculo de los activos ponderados por riesgo. Los cambios fueron derivados de la revisión efectuada por el Comité de Basilea en 2014 sobre la regulación de capital existente en México. La Resolución entró en vigor a partir del 1 de octubre de 2015 excepto por lo dispuesto en los artículos transitorios de la misma.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Durante 2016, a efecto de reforzar la estabilidad financiera del sistema bancario en su conjunto, así como fortalecer el capital con que cuentan las instituciones de crédito, se establece que dichas entidades deben contar con un suplemento de capital adicional cuando se observe un aumento del crédito bancario que no tenga correspondencia con el crecimiento de la economía. Por otra parte, se ajusta el conjunto de variables de la metodología para identificar a las instituciones de banca múltiple que tengan una importancia sistémica local, para que únicamente se incluyan aquellas variables que se encuentren directamente relacionadas con las operaciones que llevan a cabo las instituciones de banca múltiple.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Adicionalmente, con el objeto de afianzar la estabilidad financiera del sistema bancario en su conjunto, así como de dar cumplimiento a los acuerdos del Comité de Supervisión Bancaria de Basilea, se establece la metodología para calcular la razón de apalancamiento de las instituciones de crédito y la obligación de revelarla de manera trimestral. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 27 de diciembre de 2017, se publicó la modificación al artículo 2 bis 6 fracción II y artículo 2 bis 7 de la Circular Única de Bancos respecto a los instrumentos de capital híbridos que modifica el límite de emisiones de instrumentos de capital no fundamental y de capital complementario hasta por un 50% del capital fundamental. Por excepción, se puede considerar un monto mayor al previamente señalado siempre que el coeficiente de capital fundamental sea mayor al 10%.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En caso de que la institución que compute un monto mayor al 50% de capital fundamental y que ésta llegue a tener un coeficiente de capital fundamental por debajo de 10%, como consecuencia de cualquier mecanismo o acto que implique una transferencia de beneficios patrimoniales o por pago de dividendos, se deberá de dejar de computar el monto de los instrumentos que excedan dicho límite.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Durante 2018 a efectos de mejorar el desempeño de los activos ponderados por riesgo se adicionaron nuevas instituciones calificadoras. Así mismo a efecto de reforzar la estabilidad financiera del sistema bancario se estableció, que se considera contrario a una sana práctica bancaria que las instituciones de banca múltiple mantengan una Razón de Apalancamiento menor al 3%.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 22 de enero de 2018 se modificó la fórmula para el cálculo del beneficio sobre la constitución gradual del requerimiento de capital por riesgo operacional para las instituciones de banca múltiple que cuenten con una cartera de crédito menor a 30 mil millones de unidades de inversión.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 14 de marzo de 2018 se modificó la metodología para designar el grado de importancia sistémica de las instituciones de banca múltiple, a fin de incorporar las cuentas fuera del balance como parte de los activos totales y se ajustó la definición del indicador que se utiliza para que se considere el valor de la posición en derivados.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 26 de junio de 2018 se realizaron modificaciones en los periodos de entrega de información para la realización de los ejercicios de estrés bajo escenarios supervisores por parte de las instituciones de banca múltiple y la presentación de los resultados de dichos ejercicios.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 4 de septiembre de 2018 se hicieron precisiones en el tratamiento de las operaciones de crédito a cargo de concesionarios que tengan contratos de prestación de servicios celebrados con dependencias, entidades federativas, municipios y sus organismos descentralizados o desconcentrados, así como otras entidades del sector público, y en los financiamientos que cuenten con una garantía en la forma de fideicomisos con participaciones federales, a fin de que la ponderación del riesgo asignado corresponda precisamente a la cobertura de dichas garantías.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Más adelante, durante mayo de 2018 se reconocieron nuevas instituciones calificadoras de valores lo cual derivó en la adición de dichas calificadoras a la normativa correspondiente al mapeo de calificaciones y grados de riesgo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Durante 2019 no se registraron modificaciones a la regulación aplicable a las instituciones de crédito en materia del cálculo de requerimientos de capital.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A finales de 2020, la CNBV determinó que, a partir del 1 de enero 2023, las Instituciones para calcular el requerimiento de capital por su exposición al Riesgo Operacional deberán utilizar el Método del Indicador de Negocio, que es un método más preciso y sensible al riesgo. Se eliminan los demás métodos actualmente vigentes y al mismo tiempo se mantiene el marco de capital del sistema financiero mexicano alineado a los estándares prudenciales internacionales emitidos por el Comité de Basilea de Supervisión Bancaria. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A mediados de 2022 se publicó una modificación a la metodología para determinar el requerimiento de capitalización para esquemas bursatilización de activos financieros, la cual esta parcialmente alineada al estándar de Basilea publicado por el Comité de Supervisión Bancaria de Basilea en el mes de diciembre 2019. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En abril 2023, la CNBV implementó en la normatividad mexicana el estándar internacional para grandes exposiciones al riesgo de crédito, publicado por el Comité de Supervisión Bancaria de Basilea en el mes de abril 2014, el cual busca limitar la pérdida máxima frente a una contraparte o grupo de contrapartes interconectadas que, por su tamaño, pudieran poner en peligro la solvencia y la operación continua del Banco y, con ello, evitar la posible dispersión entre instituciones de importancia sistémica local o global.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Alertas tempranas </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">De conformidad con los artículos 121 y 122 de la LIC, se establece un régimen que permite detectar de manera preventiva, cualquier posible deterioro del Índice de Capitalización de las Instituciones de Banca Múltiple.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Asimismo, se establecen medidas correctivas para las instituciones clasificadas como categoría II, III, IV o V, y medidas correctivas especiales en varios supuestos, como anomalías en el nivel capitalización, inestabilidad financiera o incumplimiento del marco normativo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La CNBV ha clasificado a los bancos en función a su grado de capitalización, como a continuación se indica:</span><br style="page-break-before:always; clear:both" />
</p>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:middle; width:84.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:middle; width:63.25pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; -aw-sdt-tag:goog_rdk_5">ICAP≥ 10.5%+SCCS+SCCI</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; -aw-sdt-tag:goog_rdk_5"> </span>
</p>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; -aw-sdt-tag:goog_rdk_6">10.5%+SCCS+SCCI>ICAP≥8%</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; -aw-sdt-tag:goog_rdk_6"> </span>
</p>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:middle; width:63.3pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; -aw-sdt-tag:goog_rdk_7">8%>ICAP≥ 7%+SCCS+ SCCI</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; -aw-sdt-tag:goog_rdk_7"> </span>
</p>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:middle; width:70.35pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; -aw-sdt-tag:goog_rdk_8">7%+SCCS+ SCCI> ICAP≥4.5%</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; -aw-sdt-tag:goog_rdk_8"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:middle; width:44pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">4.5%> ICAP</span>
</p>
</td>
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<td rowspan="2" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#000000; border-left-style:solid; border-left-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:77pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; -aw-sdt-tag:goog_rdk_9">CCF≥7%+SCCS+SCCI</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; -aw-sdt-tag:goog_rdk_9"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:84.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; -aw-sdt-tag:goog_rdk_10">CCB≥8.5%+SCCS+ SCCI</span><span style="font-family:Arial; font-size:11pt; -aw-sdt-tag:goog_rdk_10"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.25pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">I</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.3pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">II</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.3pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:70.35pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:44pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
<tr style="height:42.3pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:84.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; -aw-sdt-tag:goog_rdk_11">8.5%+SCCS+SCCI>CCB≥7%+SCCS+SCCI</span><span style="font-family:Arial; font-size:11pt; -aw-sdt-tag:goog_rdk_11"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.25pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">II</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.3pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">II</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.3pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">III</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:70.35pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:44pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
<tr style="height:33.7pt">
<td rowspan="3" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#000000; border-left-style:solid; border-left-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:77pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; -aw-sdt-tag:goog_rdk_12">7%+SCCS+SCCI>CCF≥4.5</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; -aw-sdt-tag:goog_rdk_12"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:84.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; -aw-sdt-tag:goog_rdk_13">CCB≥8.5%+SCCS+SCCI</span><span style="font-family:Arial; font-size:11pt; -aw-sdt-tag:goog_rdk_13"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.25pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">II</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.3pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">II</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.3pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:70.35pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:44pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
<tr style="height:34.9pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:84.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; -aw-sdt-tag:goog_rdk_14">8.5%+SCCS+SCCI>CCB≥6%</span><span style="font-family:Arial; font-size:11pt; -aw-sdt-tag:goog_rdk_14"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.25pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">II</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.3pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">II</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.3pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">III</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:70.35pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">IV</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:44pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
<tr style="height:27.6pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:84.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; -aw-sdt-tag:goog_rdk_15">6%>CCB≥4.5%</span><span style="font-family:Arial; font-size:11pt; -aw-sdt-tag:goog_rdk_15"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.25pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">III</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.3pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">III</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.3pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">IV</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:70.35pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">IV</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:44pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#000000; border-left-style:solid; border-left-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:77pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">4.5> CCF</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:84.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.25pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.3pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:63.3pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:70.35pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#000000; border-right-style:solid; border-right-width:1pt; vertical-align:middle; width:44pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">V</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<a name="_Hlk192170770" href="#" ><span style="font-family:Arial; font-size:11pt">A las instituciones que hayan sido clasificadas en la categoría I, no les será aplicable medida correctiva alguna. De conformidad con la clasificación de las instituciones de banca múltiple de acuerdo con el artículo 220 de la Circular Única de Bancos. HSBC México se clasificó como categoría I al mantener un índice de capitalización del 19.38%, 16.94% y 15.78% al 31 de diciembre de 2025, 2024 y 2023, respectivamente.</span></a>
</p>
<p style="margin:0pt; text-align:justify">
<span style="-aw-bookmark-end:_Hlk192170770"></span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Con la entrada en vigor de las modificaciones en la Circular Única de Bancos para implementar el estándar internacional denominado Capacidad Total de Absorción de Pérdidas (TLAC, por sus siglas en inglés) en junio 2021, las Instituciones de Banca Múltiple de Importancia Sistémica Local deben considerar para determinar su clasificación el Suplemento al Capital Neto al que hace mención el último párrafo del Artículo 2 Bis 5 de la Circular Única de Bancos (CUB).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En la misma línea, se establece una formula supervisora para clasificar en categoría II a las Instituciones de Banca Múltiple de Importancia Sistémica Local que sean clasificadas en categoría I. La fórmula compara la suma del Índice de Capitalización (ICAP) e Instrumentos de Capital elegibles para constituir el Suplemento al Capital Neto y el 10.5% más el SCCS, SCCI y SCN. Si la suma de los primeros dos componentes es menor o igual a la suma de los últimos cuatro, la Institución deberá clasificarse como Categoría II.</span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Publicaciones en el Diario Oficial de la Federación relacionadas con requerimientos de capital</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Publicaciones en el DOF durante 2025</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Durante el último mes del 2025, la CNBV publicó en el DOF dos resoluciones que modificaron el Marco de Grandes Exposiciones y las normas procedimentales para determinar el requerimiento de capital por riesgo de crédito mediante el método estándar. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La resolución que modificó el marco de Grandes Exposiciones incorporó una nueva definición dentro del alcance del marco relativa a las exposiciones con Institución Bancaria del Exterior y modificó las definiciones existentes relacionadas a Financiamiento, Grandes Exposiciones e Institución de Importancia Sistémica Global (G-</span><span style="font-family:Arial; font-size:11pt">SIBs</span><span style="font-family:Arial; font-size:11pt">). Por otra parte, se fortalecieron los requerimientos de gestión de riesgos para evaluar y controlar los criterios de Interdependencia Económica; se amplió la aplicabilidad de exposiciones con Sociedades Financieras de Objeto Múltiple con las que se mantengan vínculos patrimoniales y también se excluyó de los financiamientos exentos a todas las exposiciones con estados y municipios. Finalmente, se realizó una revisión general a la información que se debe revelar al público relacionada con este marco y es importante resaltar que, a través de los artículos transitorios la autoridad instruyo presentar a más tardar el 1 de marzo de 2026 los ajustes al reporte A-3511 de la Serie R35 de Grandes Exposiciones.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Con respecto a la resolución modificatoria relacionada con el requerimiento de capital por riesgo de crédito determinado a través del método estándar, la CNBV realizó cambios que, en términos generales, se encuentran alineados con los estándares de Basilea publicados por el Comité de Supervisión Bancaria de Basilea (BCBS, por sus siglas en inglés). Algunos de los cambios más relevantes de esta resolución son: </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Ampliación del alcance del término “Operaciones Sujetas a Riesgo de Crédito” para incluir ciertas cuentas por pagar, así como, ciertos pagos anticipados y cargos diferidos.</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Aclaración sobre el tratamiento de las exposiciones con fideicomisos.</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 35.4pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Modificaciones para simplificar los procedimientos de aplicación de ponderadores de riesgo que se determinan con el uso de</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">calificación crediticia de una Institución Externa de Evaluación Crediticia (ECAI, por sus siglas en inglés).</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 35.4pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cambios en los ponderadores de riesgo aplicables a las exposiciones clasificadas en el Grupo de Riesgo VII.</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Modificaciones a los criterios para clasificar a las personas morales como exposiciones pertenecientes al Grupo de Riesgo VII.</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 14.2pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Por medio de artículos transitorios la autoridad proporciono hasta 90 días después de la entrada en vigor para ajustar los cambios establecidos en la referida resolución.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Publicaciones en el DOF durante 2024</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Durante el primer trimestre del 2024, la CNBV publicó en el DOF la resolución que modifica el inciso n), fracción I del artículo 2 bis 6 de la Circular Única de Bancos, relacionada con la inclusión de los cargos diferidos y los pagos anticipados con un plazo remanente de afectación a resultados igual o menor a un año como conceptos que no se deben considerar dentro de la correspondiente deducción al Capital Neto del Banco. La modificación entró en vigor el 8 de febrero del 2024.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 14 de agosto del 2024 la CNBV publicó en el DOF la resolución modificatoria relativa a la determinación del requerimiento de capital por Riesgo Operacional. Dicha publicación modifica los siguiente:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-indent:-14.15pt; text-align:justify; padding-left:14.15pt">
<span style="font-family:Arial; font-size:11pt">• Se propuso incluir 3 nuevas variables en el Resultado de Compraventa del Componente Financiero (“CF”). De acuerdo con el regulador, el objetivo es tener mayor consistencia con el estándar de Basilea en esta materia y reducir la volatilidad del componente.</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-indent:-14.15pt; text-align:justify; padding-left:14.15pt">
<span style="font-family:Arial; font-size:11pt">•</span><span style="width:10.3pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Dentro del Anexo 1-D Bis se estableció el requisito adicional de presentar ante la CNBV la revisión y validación de las políticas, procesos y procedimientos específicos para la identificación, recopilación y tratamiento de la información relacionada con las pérdidas internas por Riesgo Operacional, así como del proceso para la ejecución del cálculo del requerimiento de capital por Riesgo Operacional realizado por los auditores externos dentro de los 20 días hábiles posteriores a la presentación de resultados al Comité de Riesgos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-indent:-14.15pt; text-align:justify; padding-left:14.15pt">
<span style="font-family:Arial; font-size:11pt">•</span><span style="width:10.3pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Se agregó el nuevo requisito de presentar las correspondientes políticas internas en caso de solicitar la autorización ante la CNBV para las exclusiones de eventos de perdidas por Riesgo Operacional de la base de datos histórica. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-indent:-14.15pt; text-align:justify; padding-left:14.15pt">
<span style="font-family:Arial; font-size:11pt">•</span><span style="width:10.3pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Se agregaron artículos que establecen los lineamientos que las instituciones de crédito recién autorizadas o que estén en proceso de fusión o escisión deben seguir para determinar sus requerimientos de capital por Riesgo Operacional.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 27 de diciembre de 2024, la CNBV eliminó el reporte regulatorio A-2815 “Asignación del Método del Indicador de Negocio para Riesgo Operacional” relacionado con la revelación de los Componentes del Indicador de Negocio. Dicha modificación tuvo efectos a partir del día siguiente a su publicación. La CNBV aclaró que la eliminación de este reporte implica una simplificación que evita duplicidades con los reportes existentes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Publicaciones en el DOF durante 2023</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A partir del 1 de enero 2023, entró en vigor la Resolución Modificatoria que establece el Método del Indicador de Negocio, el cual es un método más preciso y sensible, para calcular el requerimiento de capital por exposición a Riesgo Operacional. Se eliminan los demás métodos que estuvieron vigentes y al mismo tiempo se mantiene el marco de capital del sistema financiero mexicano alineado a los estándares prudenciales internacionales emitidos por el Comité de Basilea de Supervisión Bancaria. Si bien es cierto esta regulación fue publicada en 2020, esta entró en vigor hasta 2023.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">También en enero de 2023, se publicó el tratamiento que deben aplicar los Bancos a los bienes objeto de las garantías denominados en moneda nacional y cuyo rendimiento esté referido a tasas de interés nominales, con el propósito de reflejar que dicho riesgo deberá ser capitalizado por quien conserve tanto los beneficios económicos como el riesgo de fluctuaciones en su precio. Esta modificación afecta a los grupos de riesgo que se utilizan para el cálculo de los requerimientos de capital por riesgo de mercado.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Más tarde en abril 2023, la CNBV publicó en el DOF la Resolución Modificatoria que pretende implementar en la normatividad mexicana el estándar internacional para grandes exposiciones al riesgo de crédito publicado por el Comité de Supervisión </span><span style="font-family:Arial; font-size:11pt">Bancaria de Basilea, el cual busca limitar la pérdida máxima frente a una contraparte o grupo de contrapartes interconectadas que, por su tamaño, pudieran poner en peligro la solvencia y la operación continua del Banco y, con ello, evitar la posible dispersión entre instituciones de importancia sistémica local o global.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En el tercer trimestre del 2023 la CNBV sustituyó dentro de la Circular Única de Bancos las referencia al salario mínimo como unidad de cuenta, índice, base, medida o referencia para determinar la cuantía de obligaciones por las relativas a la Unidad de Medida y Actualización.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A finales del año 2023, la CNBV derogó la Serie R36 Pagos Anticipados del Anexo 36 de la Circular Única de Bancos, la cual contiene el reporte “A-3601 Detalle de las erogaciones o gastos cuyo reconocimiento se difiera en el tiempo”, lo anterior deja dicha serie sin efectos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Nuevos desarrollos en materia de sustentabilidad</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 16 de marzo de 2023, la Secretaría de Hacienda y Crédito Público presentó un Sistema de clasificación que permite identificar y definir actividades, activos o proyectos de inversión con impactos medioambientales y sociales positivos, con base en metas y criterios establecidos. Se establece como marco de referencia sirva para distintos productos, mercados, esquemas de financiamiento y mecanismos de reporteo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los usuarios potenciales es la totalidad del sistema financiero mexicano y sus actores interesados son a) Empresas; b) Instituciones de crédito y c) Inversionistas institucionales.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Asimismo, el 31 de agosto de 2023 el Consejo Mexicano de Normas de Información Financiera y de Sostenibilidad (CINIF) emitió dos proyectos para auscultación de Normas de Información de Sostenibilidad (NIS), la NIS 1, Normas generales para la revelación de información de sostenibilidad; y la NIS 2, Revelación de Indicadores Básicos de Sostenibilidad (IBSO). El CINIF pretende que estas normas proporcionen a las entidades elementos para identificar sus riesgos y oportunidades relacionados con sostenibilidad, así como la infraestructura necesaria para generar información suficiente para su administración.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Requisitos de reservas y coeficientes de liquidez </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Pasivos denominados en Moneda Nacional y </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">UDIs</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Actualmente no se imponen a los bancos regímenes de inversión de sus pasivos denominados en pesos o en </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Pasivos denominados en moneda extranjera </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">De acuerdo con regulaciones de Banxico, se impone a las instituciones de crédito, por sus pasivos denominados en moneda extranjera, el requerimiento de invertir en activos líquidos (coeficiente de liquidez) un importe equivalente a la cantidad obtenida de sumar: i) la diferencia entre pasivos y activos netos computables, con un plazo de vencimiento menor o igual a 60 días y </span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) el resultado de multiplicar los pasivos netos computables, con vencimiento de 60 días o menos por un factor de porcentaje que </span><span style="font-family:Arial; font-size:11pt">depende del vencimiento restante del pasivo. Este factor puede ser de hasta el 50% del principal del pasivo en el día anterior a su fecha de vencimiento. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Banxico define como activos líquidos a aquellos activos en Moneda Extranjera que no se encuentren otorgados en garantía, préstamo, reporto o que no se haya celebrado con ellos cualquier otra operación similar que limite su libre disponibilidad, utilizados por las Instituciones de Banca Múltiple para el cálculo de los regímenes de admisión de pasivos y de inversión para las Operaciones en Moneda Extranjera, que se señalan a continuación:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Efectivo;</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Depósitos en el Banco de México;</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">“</span><span style="font-family:Arial; font-size:11pt">Treasury</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Bills</span><span style="font-family:Arial; font-size:11pt">”, “</span><span style="font-family:Arial; font-size:11pt">Treasury</span><span style="font-family:Arial; font-size:11pt"> Notes” y “</span><span style="font-family:Arial; font-size:11pt">Treasury</span><span style="font-family:Arial; font-size:11pt"> Bonds”, emitidos por el Gobierno de los Estados Unidos de América, así como títulos de deuda emitidos por agencias de dicho gobierno, que cuenten con garantía incondicional del mismo gobierno;</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Depósitos a la vista y de uno a siete Días en entidades financieras del exterior que cuenten con Calificación para Requerimiento de Liquidez;</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Depósitos constituidos en entidades financieras del exterior que cuenten con Calificación para Requerimiento de Liquidez que contengan cláusulas que permitan su retiro total o parcial, a la vista o a un Día, por la parte que pueda disponerse el Día siguiente al Día de que se trate;</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Inversiones en sociedades o fondos de inversión, distintos a aquellos a que se refiere la Ley de Fondos de Inversión, que el Banco de México autorice a propuesta de las Instituciones de Banca Múltiple por conducto de la Asociación de Bancos de México, A.C., que cumplan con los requisitos siguientes: (Modificado por la Circular 38/2020);</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">La parte no dispuesta de las líneas de crédito otorgadas a la Institución de Banca Múltiple por alguna entidad financiera del exterior que cuente con Calificación para Requerimiento de Liquidez;</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">BONOS UMS. (Adicionado por la Circular 38/2020);</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Además, el total del pasivo neto promedio ajustado por vencimiento que pueda estar denominado o indizado en moneda extranjera de los bancos y sus agencias, sucursales o subsidiarias en el extranjero (calculado trimestralmente sobre la base de promedios diarios) se limita a 1.83 veces el capital básico, calculado a partir del tercer mes previo al mes aplicable.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">IPAB </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La Ley del IPAB establece un sistema de protección al ahorro bancario en favor de las personas que realicen cualquiera de las operaciones garantizadas, en los términos y con las limitantes que la misma determina; regular los apoyos financieros que se otorguen a las instituciones de banca múltiple para la protección de los intereses del público ahorrador, así como establecer las bases para la organización y funcionamiento de la entidad pública encargada de estas funciones. Ante un requerimiento del IPAB no es oponible el secreto bancario.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los bancos están obligados a pagar al IPAB cuotas, tanto ordinarias como extraordinarias, en función de las determinaciones de la Junta de Gobierno del IPAB. </span><span style="font-family:Arial; font-size:11pt">Todos los bancos están obligados a pagar al IPAB una cuota ordinaria mensual que no podrá ser menor de 4 al millar sobre el importe de las operaciones pasivas que tengan las instituciones. Cuando por las condiciones del Sistema Bancario Mexicano el Instituto no cuente con los recursos suficientes para hacer frente a sus obligaciones, la Junta de Gobierno podrá puede imponer cuotas extraordinarias a los bancos cuyo total no puede exceder, en un año, el 3 al millar sobre el importe de las operaciones pasivas de las instituciones. Conjuntamente, las cuotas ordinarias y las extraordinarias no pueden superar, anualmente, el 8 al millar sobre el importe total de las operaciones pasivas de las instituciones de acuerdo con los artículos 23 y 24 de la Ley de Protección al Ahorro Bancario.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El IPAB podrá proporcionar apoyos financieros a las instituciones de banca múltiple, mediante el otorgamiento de créditos. Los apoyos financieros se otorgarán a aquellas instituciones de banca múltiple que se hayan acogido al régimen de operación condicionada en la que se actualice alguno de los supuestos previstos en la LIC. Dichos apoyos, deberán realizarse mediante la suscripción de acciones de la institución de banca múltiple de que se trate. En este caso, se designará un administrador cautelar conforme al artículo 130 de la LIC. Dicho administrador se constituirá como administrador único de la institución de que se trate, sustituyendo en todo caso al consejo de administración, así como a la asamblea general de accionistas, en aquellos supuestos en que el ejercicio de los derechos corporativos y patrimoniales de las acciones de dicha institución no corresponda al propio Instituto.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Diversificación de riesgos en la realización de operaciones activas y pasivas </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">De conformidad con la Circular Única de Bancos, los bancos deben limitar la concentración de riesgo en sus operaciones activas y pasivas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Dichas reglas establecen un límite a la concentración del riesgo crediticio aplicable a una persona o, en su caso, a grupos de personas que constituyen riesgo común para los bancos, mismo que se determina en función del capital básico de la institución de banca múltiple de que se trate.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">a)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">En el caso de que el deudor sea persona física:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 46.35pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Las personas físicas que dependan económicamente de aquél. </span>
</p>
<p style="margin:0pt 0pt 0pt 46.35pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Las personas morales que queden bajo el control, directo o indirecto, del propio deudor, con independencia de que pertenezcan o no a un mismo grupo empresarial o consorcio.</span>
</p>
<p style="margin:0pt 0pt 0pt 46.35pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">b)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">Cuando el deudor sea persona moral:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 58.5pt; text-indent:-28.3pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">               </span><span style="font-family:Arial; font-size:11pt">La persona o grupo de personas físicas y morales que actúen en forma concertada y ejerzan, directa o indirectamente, la administración a título de dueño o el control de la persona moral acreditada; o</span>
</p>
<p style="margin:0pt 0pt 0pt 58.5pt; text-indent:-28.3pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">               </span><span style="font-family:Arial; font-size:11pt">Las personas morales que queden bajo el control, directa o indirecto, del propio deudor, con independencia de que pertenezcan o no a un mismo grupo empresarial o, en su caso, consorcio; </span>
</p>
<p style="margin:0pt 0pt 0pt 58.5pt; text-indent:-28.3pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">               </span><span style="font-family:Arial; font-size:11pt">Las personas morales que pertenezcan al mismo grupo empresarial o, en su caso, consorcio.</span>
</p>
<p style="margin:0pt 0pt 0pt 58.5pt; text-indent:-28.3pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">               </span><span style="font-family:Arial; font-size:11pt">Las personas morales que tengan interdependencia económica entre sí conforme a los criterios contenidos en la fracción IV del Artículo 52 de la CUB.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">c)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">Cuando el deudor sea un fideicomiso, el fideicomitente, siempre que dicho fideicomitente se trate a su vez de una de las personas señaladas en los incisos a) y b) y dichas personas, mantengan una participación mayoritaria en el fideicomiso deudor.</span>
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<p style="margin:0pt 0pt 0pt 18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Operaciones activas </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las Instituciones deberán mantener diversificadas sus Operaciones activas para lo cual deberán determinar la exposición crediticia que cada Institución mantenga con una persona o grupo de personas que representen Riesgo Común y que corresponda a la suma de los conceptos indicados en el Artículo 1, fracción LXXV Bis, incisos a), b) y c) de la CUB, registrados tanto en el estado de situación financiera como en cuentas de orden, así como identificar las Grandes Exposiciones que mantengan con una persona en lo individual o un grupo de personas que, por sus relaciones, representen Riesgo Común.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para efectos de la diversificación de Operaciones activas, cada una de las Grandes Exposiciones que asuma la Institución de que se trate no deberá exceder el límite máximo de 25 por ciento de la parte básica de su Capital Neto.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Tratándose de Instituciones de Banca Múltiple de Importancia Sistémica Local o Instituciones de Importancia Sistémica Global que, al momento de realizar el cálculo referido en el párrafo primero del presente artículo, mantengan Grandes Exposiciones deberán atender los incisos indicados en el Artículo 54 de la CUB.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para efectuar el cómputo de los límites máximos aplicables, las Instituciones utilizarán el importe de la parte básica de sus respectivos Capitales Netos, conforme a lo indicado en el Artículo 2 Bis 6 de la CUB, que corresponda al cierre del tercer mes anterior al de la fecha en que se realice dicho cómputo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La Circular Única de Bancos prevé la posibilidad de excluir del concepto de riesgo común, los financiamientos otorgados a:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">I. Personas físicas que, sin perjuicio de ejercer el control de una persona moral, Grupo Empresarial o Consorcio, cumplan con los requisitos siguientes: </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cuenten con una fuente pri</span><span style="font-family:Arial; font-size:11pt">maria</span><span style="font-family:Arial; font-size:11pt"> de pago que sea Independiente de la persona, Grupo Empresarial o Consorcio que, en su caso, controlen, y </span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">El pago del Financiamiento que les fue otorgado, no dependa de la situación financiera de la persona moral, Grupo Empresarial o Consorcio, sobre los cuales ejerza el control, de forma tal que estén en posibilidad de cumplir con sus obligaciones de pago, con independencia de dicha situación financiera.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">II. Grupos Empresariales que, formando parte de un Consorcio, cumplan con los requisitos siguientes: </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Que no existan obligaciones por adeudos o garantías a cargo del Grupo Empresarial acreditado, en favor de los demás grupos integrantes del Consorcio. Para efectos de lo previsto en este inciso, quedarán excluidas las obligaciones por adeudos o garantías, derivadas de la compraventa de bienes o la prestación de servicios, entre dichos Grupos Empresariales, que se hubieren contraído en condiciones de mercado prevalecientes en la fecha de celebración de la operación. </span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Que la fuente de pago del Financiamiento otorgado al Grupo Empresarial, no dependa de la situación financiera o de cualquier otro evento relacionado con las demás personas, entidades o grupos integrantes del Consorcio distintas a dicho Grupo Empresarial acreditado.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">III. Los proyectos de inversión con fuente de pago propia a los que se refiere el Anexo 19 de la CUB que cumplan adicionalmente, con todos los requisitos siguientes: </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">La fuente de pago del respectivo proyecto no podrá depender de ninguna manera de alguna de las personas a las que se refiere el inciso b) de la definición de Riesgo Común contenida en el Artículo 1 de la </span><span style="font-family:Arial; font-size:11pt">CUB.No</span><span style="font-family:Arial; font-size:11pt"> podrán tener adeudos, ni haber otorgado garantías reales o personales, en cualquier caso, a favor de las personas señaladas en el inciso a) anterior, salvo obligaciones derivadas de la adquisición o arrendamiento de bienes o la prestación de servicios contratados con dichas personas a precios de mercado. </span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">El comité técnico u órgano administrativo al que se refiere el Anexo 19 de las presentes disposiciones, deberá garantizar que no se desvíen recursos destinados al respectivo proyecto, para fines distintos a los de su objeto; asimismo, deberá vigilar que las personas a las que se refiere el inciso a) anterior, no puedan disponer de los recursos otorgados al proyecto de que se trate para su desarrollo. </span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">No deberán existir cláusulas que obliguen a las personas a las que se refiere el inciso a) anterior, a mejorar la calidad crediticia del proyecto de inversión; que permitan apoyos implícitos o explícitos al proyecto en cuestión; ni a responder por incumplimientos del proyecto.</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Quedarán excluidos de los financiamientos, los créditos hipotecarios relacionados con viviendas, los de consumo a cargo de personas físicas que se dispongan mediante el uso de tarjeta de crédito, los que se utilicen para la adquisición de bienes de consumo duradero, los personales que se destinen al consumo, así como los créditos a los que se refiere el artículo 2 Bis 17, párrafo primero, fracción IV de las presentes disposiciones que otorguen las Instituciones, cuyo monto no exceda el equivalente en moneda nacional a 700,000 </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt"> por cada operación a la fecha de su concertación, así como las operaciones financieras derivadas concertadas por las Instituciones cuya liquidación y compensación se realice a través de contrapartes centrales y cámaras de compensación, autorizadas por la Secretaría para operar en México, o tratándose de cámaras de compensación establecidas en el exterior que sean reconocidas por el Banco de México, o que estén establecidas en países cuyas autoridades financieras sean miembros designados para conformar el Consejo de la Organización Internacional de Comisiones de Valores, (International </span><span style="font-family:Arial; font-size:11pt">Organization</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">of</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Securities</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Commissions</span><span style="font-family:Arial; font-size:11pt"> o IOSCO, por su nombre y siglas en inglés), y sobre las que dichas autoridades mexicanas públicamente reconozcan que aplican una supervisión que sea congruente </span><span style="font-family:Arial; font-size:11pt">con los "Principios aplicables a las Infraestructuras del Mercado Financiero" publicados conjuntamente por dicha organización internacional y por el Comité de Sistemas de Pago y Liquidación del Banco de Pagos Internacionales (Bank </span><span style="font-family:Arial; font-size:11pt">for</span><span style="font-family:Arial; font-size:11pt"> International </span><span style="font-family:Arial; font-size:11pt">Settlements</span><span style="font-family:Arial; font-size:11pt"> o BIS, por su nombre y siglas en inglés).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Además de las excepciones indicadas en el párrafo anterior, no deberán considerarse como Financiamiento las Operaciones celebradas con otras Instituciones, incluyendo reportos y préstamo de valores, a plazo de hasta un día hábil.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Operaciones pasivas </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las instituciones de crédito al captar recursos del público, deben diversificar sus riesgos, procurando una adecuada integración de sus pasivos, en función de la colocación de los recursos captados.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cuando en las instituciones de crédito se constituyan depósitos o reciban préstamos de sus clientes o capten recursos de una persona o grupos de personas que se consideren como una misma, que representen en una o más operaciones pasivas a cargo de dichas instituciones más del 100% de su capital básico, deberán dar aviso a la CNBV al día hábil siguiente a que se actualice dicho supuesto. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Limitación de ciertas operaciones e inversiones </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Limitaciones de inversiones </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El último párrafo del artículo 75 de la Ley de Instituciones de Crédito, establece que en ningún caso las instituciones de banca múltiple podrán realizar inversiones en títulos representativos del capital de sociedades que, a su vez, tengan el carácter de accionistas en la propia institución o en la sociedad controladora de ésta. Tal restricción también será aplicable a las inversiones en títulos representativos del capital de sociedades controladas por dichos accionistas o que los controlen.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">De acuerdo a la LIC, las instituciones de banca múltiple pueden realizar inversiones, adquirir obligaciones de compra o de venta de títulos representativos del capital de sociedades distintas a las señaladas en el párrafo anterior conforme a las bases siguientes: (i) hasta el cinco por ciento del capital pagado de la emisora; (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) más del cinco y hasta el quince por ciento del capital pagado de la emisora, durante un plazo que no exceda de tres años, previo acuerdo de una mayoría calificada de los miembros del consejo de administración (según se determine en dicho ordenamiento) y, (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) por porcentajes y plazos mayores, cuando se trate de empresas que desarrollen proyectos nuevos de larga maduración o cuando se trate de empresas que realicen actividades relacionadas con su objeto, previa autorización de la SHCP, quien la otorgará o negará discrecionalmente, oyendo la opinión de Banxico. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las instituciones de banca múltiple deben sujetar estas inversiones a las medidas que dicte la SHCP y las diversificarán de conformidad con las disposiciones aplicables, debiendo en todo caso observar los límites que propicien la dispersión de riesgos, así como una sana </span><span style="font-family:Arial; font-size:11pt">revolvencia</span><span style="font-family:Arial; font-size:11pt"> para apoyar a un mayor número de proyectos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Adicionalmente, en términos de la LIC, es necesaria la aprobación de la SHCP antes de poder llevar a cabo la fusión de una institución de banca múltiple con cualquier otra entidad.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Restricciones en los derechos de retención y garantías </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Entre las prohibiciones establecidas por el artículo 106 de la LIC, las instituciones de banca múltiple tienen prohibido, entre otros: (i) dar en garantía títulos de crédito que emitan, acepten o conserven en tesorería; y (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) asumir o garantizar obligaciones por cuenta de terceros, salvo, generalmente, en los casos de cartas de crédito, endoso, aval y aceptaciones bancarias.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Posición de Riesgo Cambiario </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las regulaciones de Banxico establecen las disposiciones aplicables para las transacciones en moneda extranjera de las instituciones de banca múltiple, ya sea por transacciones al contado, a plazo o con instrumentos derivados. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al cierre de operaciones de cada día, los bancos sólo podrán mantener una posición de riesgo cambiario que, tanto en su conjunto como por cada divisa, no exceda del equivalente a 15% de su capital básico, el cual se determina con base en disposiciones dadas a conocer por Banco de México.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Operaciones con instrumentos derivados </span>
</p>
<p style="margin:5pt 0pt 5pt 18pt; text-align:justify; background-color:#ffffff">
<span style="font-family:Arial; font-size:11pt">Conforme a lo dispuesto en la Circular 4/2012 publicada en el DOF el 02 de marzo de 2012, incluyendo sus diferentes modificaciones dadas a conocer mediante las Circulares: 9/2012 (publicada en el referido DOF el 15 de junio de 2012); 8/2015 (publicada en el DOF el 17 de abril de 2015); 6/2016 (publicada el día 31 de marzo de 2016); 7/2016 (publicada en el DOF el 31 de marzo de 2016); 25/2017 (publicada en el DOF el 27 de diciembre de 2017);</span><a style="color:#000000" href="https://www.banxico.org.mx/marco-normativo/normativa-emitida-por-el-banco-de-mexico/circular-4-2012/%7B3FFA7316-7E08-05F4-189F-259BD65915A6%7D.pdf" target="_blank"><span style="font-family:Helvetica; font-size:10.5pt; text-decoration:underline"> 20/2022</span></a><span style="font-family:Helvetica; font-size:10.5pt"> (publicada en el DOF el 14 de diciembre de 2022); </span><a style="color:#000000" href="https://www.banxico.org.mx/marco-normativo/normativa-emitida-por-el-banco-de-mexico/circular-4-2012/%7BF36AC9D7-AC96-B951-A621-633052B2CE6F%7D.pdf" target="_blank"><span style="font-family:Helvetica; font-size:10.5pt; text-decoration:underline">2/2023</span></a><span style="font-family:Helvetica; font-size:10.5pt"> (publicada en el DOF el 14 de marzo de 2023); </span><a style="color:#000000" href="https://www.banxico.org.mx/marco-normativo/normativa-emitida-por-el-banco-de-mexico/circular-4-2012/%7B2EB64468-36E9-26B5-1038-CC7298D75C26%7D.pdf" target="_blank"><span style="font-family:Helvetica; font-size:10.5pt; text-decoration:underline">6/2023</span></a><span style="font-family:Helvetica; font-size:10.5pt"> (publicada en el DOF el 15 de junio de 2023), </span><a style="color:#000000" href="https://www.banxico.org.mx/marco-normativo/normativa-emitida-por-el-banco-de-mexico/circular-4-2012/%7B7D759428-892F-AD66-CF4F-B3D768ABD59A%7D.pdf" target="_blank"><span style="font-family:Helvetica; font-size:10.5pt; text-decoration:underline">7/2023</span></a><span style="font-family:Helvetica; font-size:10.5pt"> (publicada en el DOF el 8 de septiembre de 2023); </span><a style="color:#000000" href="https://www.banxico.org.mx/marco-normativo/normativa-emitida-por-el-banco-de-mexico/circular-4-2012/%7BC5E1352F-7290-9128-3E02-DF41359C56E4%7D.pdf" target="_blank"><span style="font-family:Helvetica; font-size:10.5pt; text-decoration:underline">17/2023</span></a><span style="font-family:Helvetica; font-size:10.5pt"> (publicada en el DOF el 13 de diciembre de 2023); </span><a style="color:#000000" href="https://www.banxico.org.mx/marco-normativo/normativa-emitida-por-el-banco-de-mexico/circular-4-2012/%7BD567C8F5-4AFA-4EE4-87B5-2B889F87A2EA%7D.pdf" target="_blank"><span style="font-family:Helvetica; font-size:10.5pt; text-decoration:underline">18/2023</span></a><span style="font-family:Helvetica; font-size:10.5pt"> (publicada en el DOF el 13 de diciembre de 2023); y </span><a style="color:#000000" href="https://www.banxico.org.mx/marco-normativo/normativa-emitida-por-el-banco-de-mexico/circular-4-2012/%7BD567C8F5-4AFA-4EE4-87B5-2B889F87A2EA%7D.pdf" target="_blank"><span style="font-family:Helvetica; font-size:10.5pt; text-decoration:underline">19/2023</span></a><span style="font-family:Helvetica; font-size:10.5pt"> (publicada en el DOF el 21 de diciembre de 2023),</span><a style="color:#000000" href="https://www.banxico.org.mx/marco-normativo/normativa-emitida-por-el-banco-de-mexico/circular-4-2012/%7B416701BC-FBE2-A422-6224-9D9E666ABA6A%7D.pdf" target="_blank"><span style="font-family:Helvetica; font-size:10.5pt; text-decoration:underline"> 9/2024</span></a><span style="font-family:Helvetica; font-size:10.5pt"> (publicada en el DOF el 7 de junio de 2024); </span><a style="color:#000000" href="https://www.banxico.org.mx/marco-normativo/normativa-emitida-por-el-banco-de-mexico/circular-4-2012/%7B79434730-0990-D220-8AE6-0C615BB75888%7D.pdf" target="_blank"><span style="font-family:Helvetica; font-size:10.5pt; text-decoration:underline">11/2024</span></a><span style="font-family:Helvetica; font-size:10.5pt"> (publicada en el DOF el 11 de octubre de 2024) y </span><a style="color:#000000" href="https://www.banxico.org.mx/marco-normativo/normativa-emitida-por-el-banco-de-mexico/circular-4-2012/%7B8C6B70B8-908C-E0F7-8D39-F540D723DE77%7D.pdf" target="_blank"><span style="font-family:Helvetica; font-size:10.5pt; text-decoration:underline">15/2024</span></a><span style="font-family:Helvetica; font-size:10.5pt"> (publicada en el DOF el 17 de diciembre de 2024) </span><span style="font-family:Arial; font-size:11pt">un banco podrá llevar a cabo operaciones financieras, conocidas como derivadas (indistintamente son las Operaciones a Futuro, a las Operaciones de Opción, a los Contratos de Intercambio - Swap y a las Operaciones de Derivados de Crédito, así como aquellas otras que, en su caso Banxico autorice), sólo sobre los subyacentes siguientes: a) Acciones, un grupo o canasta de acciones, o títulos referenciados a acciones, que coticen en una bolsa de valores; b) Índices de precios sobre acciones que coticen en una bolsa de valores; c) Moneda nacional, Divisas y unidades de inversión; d) Índices de precios referidos a la inflación; e) Tasas de interés nominales, reales o sobretasas, tasas referidas a cualquier título de deuda e índices con base en dichas tasas; f) Préstamos y créditos; g) cualquiera de las mercancías siguientes: i) Oro y plata; </span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) Maíz, trigo, soya, azúcar, arroz, sorgo, algodón, avena, café, jugo de naranja, cacao, cebada, leche, canola, aceite de soya y pasta de soya; </span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) Carne de puerco, ganado porcino y ganado bovino; </span><span style="font-family:Arial; font-size:11pt">iv</span><span style="font-family:Arial; font-size:11pt">) Gas natural, combustible para calefacción, gasóleo, gasolina y petróleo crudo; v) </span><span style="font-family:Arial; font-size:11pt">Aluminio, cobre, níquel, platino, plomo y zinc; y vi) Operaciones a Futuro, operaciones adelantadas (Forward), operaciones de opción, operaciones derivadas de crédito y operaciones de Intercambio - Swap sobre los Subyacentes referidos en los incisos anteriores.</span>
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<span style="font-family:Arial; font-size:11pt">Las Entidades requerirán autorización de Banxico para llevar a cabo operaciones derivadas por cuenta propia. Para tal efecto, las entidades deberán presentar a la Gerencia una solicitud de autorización, que especifique lo siguiente: i) Tipos de operaciones derivadas que pretenden llevar a cabo; </span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) Mercados en que pretenden operar, y </span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) Subyacentes, debiendo incluir una descripción detallada cuando se trate de operaciones derivadas que a su vez incluyan como subyacente otras operaciones derivadas. Además, deberán acompañar a su solicitud una comunicación expedida por su comité de auditoría en la que manifiesten que la entidad cumple con los requerimientos previstos en el Anexo 1 de las Reglas de la Circular, en relación con las operaciones derivadas y los subyacentes respecto de los cuales solicitan autorización para operar por cuenta propia. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Las Entidades que obtengan autorización para celebrar operaciones derivadas por cuenta propia podrán celebrar otro tipo de operaciones derivadas, operar en otros mercados o celebrar operaciones derivadas sobre subyacentes, de los previstos en la Circular señalada y que sean distintos a los indicados en dicha autorización, siempre y cuando: a) Den aviso por escrito a la Gerencia con al menos 15 días naturales de anticipación a la fecha en que pretendan realizar las operaciones de que se trate, sobre lo siguiente: i) El tipo de Operaciones Derivadas que pretenden llevar a cabo por cuenta propia; </span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) Los Mercados en que pretenden operar, y/o </span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) Los Subyacentes en la referida Circular sobre cuales se pretende celebrar operaciones derivadas por cuenta propia. b) Adjunten una nueva comunicación en términos de lo señalado en la Circular.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los bancos que lleven a cabo operaciones derivadas con personas relacionadas o sobre subyacentes cuyos emisores o acreditados sean personas relacionadas, deberán observar lo dispuesto al efecto en la LIC y en la LMV respectivamente.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Los bancos, podrán garantizar el cumplimiento de las operaciones derivadas con depósitos en efectivo, derechos de crédito a su favor y/o los títulos o valores de su cartera. Tratándose de operaciones derivadas realizadas en mercados extrabursátiles, sólo se podrán otorgar las garantías mencionadas, cuando las contrapartes sean instituciones de crédito, casas de bolsa, entidades financieras del exterior, sociedades de inversión, sociedades de inversión especializadas de fondos para el retiro, sociedades financieras de objeto múltiple, así como cualquier otra contraparte que autorice Banxico. Las entidades y las sociedades de inversión en ningún caso podrán recibir obligaciones subordinadas en garantía del cumplimiento de las operaciones derivadas que celebren. Asimismo, las entidades no podrán recibir en garantía acciones emitidas por entidades financieras o sociedades controladoras de grupos financieros. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Las operaciones derivadas, excepto los Títulos con Vinculación Crediticia, que realicen (i)las entidades entre ellas y con otras entidades financieras nacionales o extranjeras, y con inversionistas institucionales e inversionistas calificados y (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">)los Fondos de Inversión, los Almacenes Generales de Depósito, las </span><span style="font-family:Arial; font-size:11pt">Sofomes</span><span style="font-family:Arial; font-size:11pt"> y las Instituciones de Seguros con sus contrapartes autorizadas, se documentarán en contratos marco,</span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:11pt">los cuales deberán reflejar lineamientos y directrices contenidos en modelos de contratos reconocidos en mercados internacionales, tales como los aprobados por los Mercados </span><span style="font-family:Arial; font-size:11pt">Reconocidos o por la empresa de los Estados Unidos de América denominada “International Swaps and Derivatives </span><span style="font-family:Arial; font-size:11pt">Association</span><span style="font-family:Arial; font-size:11pt">, Inc.”, siempre y cuando ello no contravenga las disposiciones nacionales aplicables. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11.5pt">Las Entidades que celebren Operaciones Derivadas con clientes distintos a los previstos en el párrafo anterior deberán estipular las cláusulas aplicables al amparo de contratos marco que acuerden con ellos. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En el evento de que para la concertación o confirmación de operaciones se convenga el uso de medios electrónicos, de cómputo o de telecomunicación, se deberán precisar las claves de identificación recíproca y las responsabilidades que conlleve su utilización. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Secreto bancario </span>
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<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La LIC prohíbe a las instituciones de crédito dar noticias o información de los depósitos, servicios o cualquier otro tipo de operaciones que celebren, sino al depositante, deudor, titular, beneficiario, fideicomitente, fideicomisario, comitente o mandante, a sus representantes legales o a quienes tengan otorgado poder para disponer de la cuenta o para intervenir en la operación o servicio, salvo cuando las pidieran la autoridad judicial en virtud de providencia dictada en juicio en el que el titular o, en su caso, el fideicomitente, fideicomisario, fiduciario, comitente, comisionista, mandante o mandatario sea parte o acusado. La autoridad judicial podrá formular su solicitud directamente a la institución de crédito, o a través de la Comisión Nacional Bancaria y de Valores.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Asimismo, la LIC establece como excepción al secreto bancario y por tanto como obligación para las instituciones de crédito dar noticias o información en caso de que sean solicitadas por las siguientes autoridades:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">El Fiscal General de la República o el servidor público en quien delegue sus facultades para requerir información, para la comprobación del hecho que la ley señale como delito y de la probable responsabilidad del imputado;</span>
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<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Los procuradores generales de justicia de los Estados de la Federación y de la Ciudad de México o subprocuradores, para la comprobación del hecho que la ley señale como delito y de la probable responsabilidad del imputado;</span>
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<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">El Procurador General de Justicia Militar, para la comprobación del hecho que la ley señale como delito y de la probable responsabilidad del imputado;</span>
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<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Las autoridades hacendarias federales, para fines fiscales;</span>
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<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">La Secretaría de Hacienda y Crédito Público, para efectos de lo dispuesto por el artículo 115 de la Ley de Instituciones de Crédito;</span>
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<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">El Tesorero de la Federación, cuando el acto de vigilancia lo amerite, para solicitar los estados de cuenta y cualquier información relativa a las cuentas personales de los servidores públicos, auxiliares y, en su caso, particulares relacionados con la investigación de que se trate;</span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">La Auditoria Superior de la Federación, en ejercicio de sus facultades de revisión y fiscalización de la Cuenta Pública Federal y respecto de cuentas o contratos a través de los cuales se administren o ejerzan recursos públicos federales;</span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">El titular y los subsecretarios de la Secretaría de la Función Pública, en ejercicio de sus facultades de investigación o auditoria para verificar la evolución del patrimonio de los servidores públicos federales. La solicitud de información y documentación a que se refiere la presente fracción, deberá formularse en todo caso, dentro del procedimiento de verificación a que se refieren los artículos 41 y 42 de la Ley Federal de Responsabilidades Administrativas de los Servidores Públicos, y;</span>
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<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">La Unidad de Fiscalización de los Recursos de los Partidos Políticos, órgano técnico del Consejo General del Instituto Federal Electoral (IFE), para el ejercicio de sus atribuciones legales, en los términos establecidos en el Código Federal de Instituciones y Procedimientos Electorales. Las autoridades electorales de las entidades federativas solicitarán y obtendrán la información que resulte necesaria también para el ejercicio de sus atribuciones legales a través de la unidad primeramente mencionada.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Las autoridades mencionadas en las fracciones anteriores solicitarán las noticias o información a que se refiere este artículo en el ejercicio de sus facultades y de conformidad con las disposiciones legales que les resulten aplicables.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las solicitudes deberán formularse con la debida fundamentación y motivación, por conducto de la Comisión Nacional Bancaria y de Valores. Los servidores públicos y las instituciones señalados en las fracciones I y VII, y la unidad de fiscalización a que se refiere la fracción IX, podrán optar por solicitar a la autoridad judicial que expida la orden correspondiente, a efecto de que la institución de crédito entregue la información requerida, siempre que dichos servidores o autoridades especifiquen la denominación de la institución, el número de cuenta, el nombre del cuentahabiente o usuario y demás datos y elementos que permitan su identificación plena, de acuerdo con la operación de que se trate.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los empleados y funcionarios de las instituciones de crédito son responsables, en los términos de las disposiciones aplicables, por violación del secreto que se establece y las instituciones están obligadas en caso de revelación indebida del secreto, a reparar los daños y perjuicios que se causen.</span>
</p>
<p style="margin:5pt 0pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Lo anterior, en forma alguna afecta la obligación que tienen las instituciones de crédito de proporcionar a la CNBV, toda clase de información y documentos que, en ejercicio de sus funciones de inspección y vigilancia, les solicite en relación con las operaciones que celebren y los servicios que presten, así como tampoco la obligación de proporcionar la información que les sea solicitada por el Banxico, el IPAB y la CONDUSEF, en los términos de las disposiciones legales aplicables.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Se entenderá que no existe violación al secreto propio de las operaciones a que se refiere la fracción XV del artículo 46 de la LIC, en los casos en que la Auditoría Superior de la Federación, con fundamento en la ley que norma su gestión, requiera la información a que se refiere el presente artículo.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los documentos y los datos que proporcionen las instituciones de crédito como consecuencia de las excepciones al primer párrafo del presente artículo, sólo podrán ser utilizados en las actuaciones que correspondan en términos de ley y, respecto de aquéllos, se deberá observar la más estricta confidencialidad, aun cuando el servidor </span><span style="font-family:Arial; font-size:11pt">público de que se trate se separe del servicio. Al servidor público que indebidamente quebrante la reserva de las actuaciones, proporcione copia de las mismas o de los documentos con ellas relacionados, o que de cualquier otra forma revele información en ellos contenida, quedará sujeto a las responsabilidades administrativas, civiles o penales correspondientes.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las instituciones de crédito deberán dar contestación a los requerimientos que la CNBV les formule en virtud de las peticiones de las autoridades indicadas, dentro de los plazos que la misma determine. La propia Comisión podrá sancionar a las instituciones de crédito que no cumplan con los plazos y condiciones que se establezca, de conformidad con lo dispuesto por los artículos 108 al 110 de la LIC.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La Comisión emitirá disposiciones de carácter general en las que establezca los requisitos que deberán reunir las solicitudes o requerimientos de información que formulen las autoridades referidas anteriormente, a efecto de que las instituciones de crédito requeridas estén en aptitud de identificar, localizar y aportar las noticias o información solicitadas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Protección de Datos Personales. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 5 de julio de 2010 se publicó en el DOF la Ley Federal de Protección de Datos Personales en Posesión de los Particulares y su Reglamento publicado con fecha 21 de diciembre de 2011, la cual tiene por objeto la protección de los datos personales en posesión de los particulares, con la finalidad de regular su tratamiento legítimo, controlado e informado, a efecto de garantizar la privacidad y el derecho a la autodeterminación informativa de las personas. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México es considerado como responsable en los términos de la Ley Federal de Protección de Datos Personales en Posesión de los Particulares (la “Ley”, para efectos de este apartado) y por lo tanto tiene las siguientes obligaciones: i) deberá observar los principios de licitud, consentimiento, información, calidad, finalidad, lealtad, proporcionalidad y responsabilidad, previstos en la Ley, </span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) los datos personales deberán recabarse y tratarse de manera lícita conforme a las disposiciones establecidas por la Ley y demás normatividad aplicable. La obtención de datos personales no debe hacerse a través de medios engañosos o fraudulentos, </span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) Todo tratamiento de datos personales estará sujeto al consentimiento de su titular, salvo las excepciones previstas por la Ley. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El consentimiento será expreso cuando la voluntad se manifieste verbalmente, por escrito, por medios electrónicos, ópticos o por cualquier otra tecnología, o por signos inequívocos. Se entenderá que el titular consiente tácitamente el tratamiento de sus datos, cuando habiéndose puesto a su disposición el aviso de privacidad, no manifieste su oposición. Los datos financieros o patrimoniales requerirán el consentimiento expreso de su titular. El consentimiento podrá ser revocado en cualquier momento sin que se le atribuyan efectos retroactivos. Para revocar el consentimiento, el responsable deberá, en el aviso de privacidad, establecer los mecanismos y procedimientos para ello. Tratándose de datos personales sensibles (Aquellos datos personales que afecten a la esfera más íntima de su titular, o cuya utilización indebida pueda dar origen a discriminación o conlleve un riesgo grave para éste</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">, tales como, origen racial o étnico, estado de salud presente y futuro, información genética, creencias religiosas, filosóficas y morales, afiliación sindical, opiniones políticas, preferencia sexual), el responsable deberá obtener el consentimiento expreso y por escrito del titular para su tratamiento, a </span><span style="font-family:Arial; font-size:11pt">través de su firma autógrafa, firma electrónica, o cualquier mecanismo de autenticación que al efecto se establezca. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El responsable tendrá la obligación de informar a los titulares de los datos, la información que se recaba de ellos y con qué fines, a través del aviso de privacidad. El aviso de privacidad deberá contener, al menos, la siguiente información: I.</span><span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:11pt">La identidad y domicilio del responsable que los recaba; II.</span><span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:11pt">Las finalidades del tratamiento de datos; III.</span><span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:11pt">Las opciones y medios que el responsable ofrezca a los titulares para limitar el uso o divulgación de los datos; IV.</span><span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:11pt">Los medios para ejercer los derechos de acceso, rectificación, cancelación u oposición, de conformidad con lo dispuesto en la Ley; V.</span><span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:11pt">En su caso, las transferencias de datos que se efectúen, y VI.</span><span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:11pt">El procedimiento y medio por el cual el responsable comunicará a los titulares de cambios al aviso de privacidad, de conformidad con lo previsto en la Ley. En el caso de datos personales sensibles, el aviso de privacidad deberá señalar expresamente que se trata de este tipo de datos.</span>
</p>
<p style="margin:0pt; text-indent:14.4pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> El aviso de privacidad debe ponerse a disposición de los titulares a través de formatos impresos, digitales, visuales, sonoros o cualquier otra tecnología, de la siguiente manera: I. Cuando los datos personales hayan sido obtenidos personalmente del titular, el aviso de privacidad deberá ser facilitado en el momento en que se recaba el dato de forma clara y fehaciente, a través de los formatos por los que se recaban, salvo que se hubiera facilitado el aviso con anterioridad, y II. Cuando los datos personales sean obtenidos directamente del titular por cualquier medio electrónico, óptico, sonoro, visual, o a través de cualquier otra tecnología, el responsable deberá proporcionar al titular de manera inmediata, al menos la información a que se refiere los I y II del párrafo anterior, así como proveer los mecanismos para que el titular conozca el texto completo del aviso de privacidad.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El responsable velará por el cumplimiento de los principios de protección de datos personales establecidos por la Ley, debiendo adoptar las medidas necesarias para su aplicación. Lo anterior aplicará aún y cuando estos datos fueren tratados por un tercero a solicitud del responsable. El responsable deberá tomar las medidas necesarias y suficientes para garantizar que el aviso de privacidad dado a conocer al titular, sea respetado en todo momento por él o por terceros con los que guarde alguna relación jurídica.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Normatividad relativa a operaciones sospechosas e identificación del cliente (prevención del lavado de dinero y financiamiento al terrorismo) </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las Disposiciones de Carácter General a que se refiere el artículo 115 de la LIC, establece los requisitos para la identificación del cliente (“KYC”) y suponen las obligaciones, estándares y requerimientos de revelación que deben seguir las instituciones financieras en materia de prevención de lavado de dinero y de financiamiento al terrorismo (operaciones sospechosas o relevantes).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Ciertas limitaciones en operaciones activas </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Limitaciones al establecimiento de tasas de interés </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La circular 14/2007, establece que las instituciones de crédito podrán convenir con sus clientes la tasa de interés que pretendan cobrar por los créditos, debiendo pactar una sola tasa de interés ordinaria y, en su caso, una sola tasa de interés moratoria y podrán </span><span style="font-family:Arial; font-size:11pt">dividir en dos o más períodos el plazo de vigencia de los créditos y establecer desde el momento del inicio de la vigencia del crédito respectivo la tasa de interés aplicable a cada uno de los aludidos períodos. Cada período no deberá ser menor a tres años.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La tasa de interés deberá determinarse conforme a alguna de las tres opciones siguientes:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-indent:-36pt; text-align:justify; padding-left:36pt">
<span style="font-family:Arial; font-size:11pt">a) Una tasa fija;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">b) Una tasa variable, la cual podrá ser determinada bajo cualquier fórmula acordada con el cliente, siempre y cuando ésta use como referencia una sola tasa que se elija de entre las tasas permitidas por la propia circular, según se trate de créditos denominados en moneda nacional, en </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt"> o en moneda extranjera, o;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">c) Una tasa variable con un límite máximo fijo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Tratándose de aperturas de líneas de crédito en las que las instituciones de crédito no hayan renunciado al derecho de denunciarlas en cualquier tiempo, las partes podrán pactar que la tasa de interés aplicable se fijará en el momento en que se efectúe cada una de las disposiciones respectivas. Lo anterior, deberá ser acordado por las partes en los documentos en los que se instrumenten los créditos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Está prohibido a las instituciones de crédito modificar unilateralmente la tasa de interés al alza o los mecanismos para determinarla, durante la vigencia del crédito de que se trate. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Lo anterior, no será aplicable a los programas que las instituciones financieras celebren con empresas en virtud de los cuales otorguen créditos a los trabajadores de éstas, ni a los créditos que las instituciones de crédito otorguen a sus empleados; en los que se pacte que la tasa de interés se incrementará en caso de que deje de existir la relación laboral. Al efecto, deberá convenirse expresamente desde el momento de contratar el crédito, el incremento aplicable a la tasa de interés.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Lo anterior, sin perjuicio de la facultad que tienen las partes de modificar mediante convenio las cláusulas de los instrumentos en los que se documenten los créditos, incluyendo las relativas a la tasa de interés. En tal caso el cliente, al momento de pactar la modificación, deberá otorgar su consentimiento por escrito o por cualquier otro medio que deje constancia de ello.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Tratándose de contratos de apertura de crédito en cuenta corriente en moneda nacional, las instituciones de crédito, a través de los medios que pacten con sus clientes, deberán darles a conocer las modificaciones a las tasas de interés, por lo menos con 30 días naturales de anticipación a la fecha prevista para que dichas modificaciones surtan efectos. Con motivo de lo anterior, los clientes en los términos que establezcan los contratos y dentro de los 60 días naturales siguientes a que surtan efectos las modificaciones, tendrán derecho a dar por terminado el contrato respectivo en caso de no estar de acuerdo con ellas, sin que la institución de crédito pueda cobrarle cantidad adicional alguna por este hecho, con excepción de los adeudos que ya se hubieren generado a la fecha en que se dé por terminado el contrato.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las tasas de interés ordinarias y moratorias deberán expresarse exclusivamente en términos anuales simples, considerando años de 360 días. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En el evento de que las Instituciones Financieras pacten la tasa de interés con base en una tasa de referencia, también deberán pactar la fecha de fijación de la tasa y la forma </span><span style="font-family:Arial; font-size:11pt">de determinar el día de consulta de la tasa. Tratándose de promedios aritméticos o geométricos u otras metodologías de cálculo, se deberá pactar la fecha de fijación de tasa, el periodo de consulta y el periodo respecto del cual se determinará el promedio aritmético. Lo anterior, en el entendido de que el período de determinación de la tasa de interés, no necesariamente deberá coincidir con el período en que los intereses se devenguen.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Tasas de referencia sustitutivas. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cuando se acuerde una tasa de referencia, deberá pactarse una o más tasas de referencia sustitutivas en el evento de (i) que deje de existir, (</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) de darse a conocer la tasa de referencia originalmente pactada, (</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) que sujeto a la determinación del Banco de México, esta deje de considerarse como una referencia adecuada a las condiciones de mercado, o (</span><span style="font-family:Arial; font-size:11pt">iv</span><span style="font-family:Arial; font-size:11pt">) que las autoridades competentes o las asociaciones reconocidas por los mercados financieros de las jurisdicciones de que se trate dejen de considerarla como una referencia adecuada a las condiciones de mercado en sus respectivas jurisdicciones, debiendo convenir el orden en que, en su caso, dichas tasas de referencia sustituirían, de ser necesario, a la originalmente pactada. Las tasas sustitutivas podrán ser consideradas como referencia si son formalmente recomendadas para su uso por el Banco de México, la autoridad competente o por la asociación reconocida por los mercados financieros para recomendar las tasas denominadas en la moneda de que se trate.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los acuerdos mencionados deberán quedar claramente establecidos desde el momento en que se otorgue el crédito correspondiente y sólo podrán modificarse conforme a lo previsto en la Circular 14/2007.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Tasas de interés de referencia en operaciones pasivas: </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En las operaciones pasivas con tasa de interés variable que celebren las instituciones de crédito solo se podrán utilizar como tasa de referencia las siguientes:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">a)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">La TIIE de Fondeo</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">b)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">La TIIE a Plazos mayores a un día hábil Bancario </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">c)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">La TIIE de Fondeo Compuesta por Adelantado</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">d)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">Las tasas de rendimientos en colocación pri</span><span style="font-family:Arial; font-size:11pt">maria</span><span style="font-family:Arial; font-size:11pt"> de CETES y BONDES.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">e)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">El costo de captación a plazo de pasivos denominados en moneda nacional que el Banco de México estime representativo del conjunto de las Instituciones de Banca Múltiple y que publique en el Diario Oficial de la Federación;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">f)</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">La Tasa Ponderada de Fondeo Bancario, y</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">g)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">La Tasa Ponderada de Fondeo Gubernamental.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En las operaciones en que las instituciones de crédito incluyan alguna tasa de referencia, deberán pactar una o más tasas de referencia sustitutivas para los casos en que deje de existir la tasa de referencia que originalmente se haya pactado, debiendo convenir el orden en que, en su caso, la sustituirían.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Tasas de referencia en moneda nacional </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En los Créditos denominados en moneda nacional, únicamente se podrá utilizar como tasa de referencia: </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">a)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">las tasas de interés interbancarias de equilibrio (TIIE) de fondeo y a plazos mayores a un día hábil bancario.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">b)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">la tasa de rendimiento en colocación pri</span><span style="font-family:Arial; font-size:11pt">maria</span><span style="font-family:Arial; font-size:11pt"> de Certificados de la Tesorería de la Federación (CETES).</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">c)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">el costo de captación a plazo de pasivos denominados en moneda nacional que el Banco de México estime representativo del conjunto de las instituciones de banca múltiple y que publique en el Diario Oficial de la Federación (CCP).</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">d)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">la Tasa Nafin (TNF) que se publique en el Diario Oficial de la Federación.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">e)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">la tasa que se hubiese pactado en los instrumentos que documenten Créditos de la banca de desarrollo o de fideicomisos públicos de fomento económico, únicamente en los Créditos que sean objeto de descuento con tales instituciones de banca de desarrollo o de esos fideicomisos, o que sean otorgados con recursos provenientes de dichas instituciones o fideicomisos.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">f)</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">la tasa ponderada de fondeo bancario.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">g)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt">la tasa ponderada de fondeo gubernamental.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Tratándose de las tasas de referencia previstas en los incisos a) y b), deberá indicarse el plazo de la TIIE o de los CETES al que esté referida la tasa de los créditos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Tasas de referencia en moneda nacional compuestas por adelantado </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En adición a las tasas señaladas en el apartado anterior, en los créditos denominados en moneda nacional, se podrá utilizar como tasa de referencia la TIIE de Fondeo Compuesta por Adelantado que el Banco de México dé a conocer. Las Instituciones Financieras deberán indicar el plazo de la TIIE de Fondeo Compuesta por Adelantado al que esté referida la tasa de los créditos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Tasas de referencia en UDIS </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En los créditos denominados en </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">, únicamente podrá utilizarse como referencia la tasa de rendimiento en colocación pri</span><span style="font-family:Arial; font-size:11pt">maria</span><span style="font-family:Arial; font-size:11pt"> de Bonos de Desarrollo del Gobierno Federal denominados en </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt"> (UDIBONOS).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Tasas de referencia en moneda extranjera </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En los créditos denominados en moneda extranjera, únicamente se podrá utilizar como referencia:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">a) Tasas de interés a plazo de un día basadas en transacciones observadas en el mercado que cumplan con los principios establecidos por la Organización Internacional de Comisiones de Valores (IOSCO, por sus siglas en inglés), y que sean aceptadas por las autoridades de la jurisdicción internacional a la que pertenezcan, dentro de las cuales se encuentran, de manera enunciativa mas no limitativa, la tasa SOFR (</span><span style="font-family:Arial; font-size:11pt">Secured</span><span style="font-family:Arial; font-size:11pt"> Overnight </span><span style="font-family:Arial; font-size:11pt">Financing</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Rate</span><span style="font-family:Arial; font-size:11pt">) de los EE.UU.A., la tasa SONIA (</span><span style="font-family:Arial; font-size:11pt">Sterling</span><span style="font-family:Arial; font-size:11pt"> Overnight Interbank </span><span style="font-family:Arial; font-size:11pt">Average</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Rate</span><span style="font-family:Arial; font-size:11pt">) de Reino Unido y la tasa ESTR (Euro Short </span><span style="font-family:Arial; font-size:11pt">Term</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Rate</span><span style="font-family:Arial; font-size:11pt">) de la Unión Europea. Asimismo, se considerarán también como tasas de referencia aquellas tasas a plazos mayores a un día, que representen promedios aritméticos o geométricos que se construyan con metodologías compuestas o que se establezcan utilizando otras metodologías, siempre que se deriven de las tasas previamente mencionadas en este inciso y que sean propuestas para su uso, a través de medios de difusión masiva, </span><span style="font-family:Arial; font-size:11pt">incluyendo sus respectivas páginas electrónicas en Internet, por alguna autoridad competente o asociación reconocida por los mercados financieros para recomendar las tasas denominadas en la moneda de que se trate.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">b) Tasas de interés que tengan una referencia de mercado, que no sean unilateralmente determinadas por una entidad financiera, pudiendo ser determinadas por una autoridad financiera del país de que se trate o por un grupo de entidades financieras, dentro de las que se encuentra la tasa LIBOR (London Interbank </span><span style="font-family:Arial; font-size:11pt">Offered</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Rate</span><span style="font-family:Arial; font-size:11pt">), de las cuales deberá señalarse claramente su plazo y la publicación donde se obtendrán, debiendo ser tal publicación de conocimiento público.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En caso de que alguna tasa de referencia de las que hace mención este inciso deje de darse a conocer, que sujeto a la determinación del Banco de México, esta deje de considerarse como una referencia adecuada a las condiciones de mercado, o que las autoridades competentes o las asociaciones reconocidas por los mercados financieros de las jurisdicciones de que se trate dejen de considerarla como una referencia adecuada a las condiciones de mercado en sus respectivas jurisdicciones, la tasa supletoria aplicable en aquellos contratos formalizados de manera previa a que deje de utilizarse la tasa de referencia original y que no prevean la aplicación de tasas sustitutivas, podrá ser considerada como referencia si es formalmente propuesta para su uso por alguna autoridad competente o asociación reconocida por los mercados financieros para recomendar las tasas denominadas en la moneda de que se trate.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">c) La tasa que se hubiere pactado en los instrumentos que documenten créditos recibidos de organismos financieros extranjeros o internacionales, de instituciones de la banca de desarrollo o de fideicomisos públicos de fomento económico, únicamente en los créditos que sean objeto de descuento con tales instituciones de banca de desarrollo o fideicomisos, o que sean otorgados con recursos provenientes de dichos organismos, instituciones o fideicomisos, o</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">d) Tratándose de Créditos en dólares de los EE.UU.A., el costo de captación a plazo de pasivos denominados en dólares de los EE.UU.A. (CCP-Dólares), que el Banco de México calcule y publique en el Diario Oficial de la Federación.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las instituciones de crédito no estarán obligadas a sujetarse a lo previsto respecto de los créditos que se encuentren en cualquiera de los supuestos siguientes:</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">a) A intermediarios financieros, y</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">b) A cualquier otro cliente, siempre que el monto mínimo del crédito o de la línea de crédito irrevocable que se otorgue, de manera individual o sindicada, sea mayor al equivalente a 5 millones de </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Ciertas limitaciones en operaciones pasivas y activas </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La Circular 22/2010 publicada por Banxico el 26 de julio de 2010, incluyendo sus modificaciones dadas a conocer mediante la Circular 1/2012, la Circular 5/2013 y la Circular 16/2014, la Circular 8/2016 y la Circular 2/2017, y 24/2020, publicadas en el referido DOF el 31 de enero de 2012, el 6 de diciembre de 2013, el 3 de octubre de 2014, el 11 de abril de 2016 y el 14 de febrero de 2017 y 5 de junio de 2020, respectivamente, prohíben a las instituciones de crédito el cobro de diversas comisiones en operaciones activas y pasivas como son de manera ejemplificativa:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Limitaciones y prohibiciones al cobro de comisiones en cuentas de depósitos y otras operaciones pasivas:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">De manera simultánea, dentro de un mismo período comprendido en el estado de cuenta, por cargo por manejo de cuenta y por no mantener un saldo promedio mínimo. Lo anterior, tratándose de cuentas de depósito. En el evento de que se cobre Comisión por no mantener un saldo promedio mensual mínimo, dicha Comisión no podrá exceder del monto que resulte menor de: i) la diferencia entre el saldo promedio mensual mínimo requerido y el saldo promedio observado, y </span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) el importe que la institución de crédito determine y registre en el Banco de México, conforme al procedimiento previsto en el Artículo 6 de la Ley para la Transparencia y Ordenamiento de los Servicios Financieros;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Cuyo importe se determine utilizando una de varias opciones o fórmulas de cálculo en relación con cuentas de depósito, salvo que la comisión que se cobre sea la más baja;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Cuando establezcan como requisito que se abra una cuenta de depósito para realizar cargos relativos al pago de algún Crédito que hayan otorgado, por los conceptos siguientes: apertura, Cargo por Manejo de Cuenta y no mantener un saldo promedio mínimo;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por sobregiro en cuentas de depósito bancario, excepto cuando las instituciones de crédito hayan acordado previamente con sus clientes el otorgamiento de una línea de crédito. Para ello, las instituciones de crédito deberán obtener el consentimiento de sus Clientes, mediante firma autógrafa, en un documento por separado del contrato de depósito en el que se establezca el límite de la línea de crédito, la tasa de interés aplicable y, en su caso, la Comisión respectiva;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por intentar sobregirar cuentas de depósito bancario, salvo cuando se libren cheques sin fondos, en cuyo caso la Comisión no podrá exceder del monto que resulte menor de: i) la diferencia que exista entre el importe del cheque y el saldo disponible en la cuenta, y </span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) el importe que la institución de crédito determine y registre en el Banco de México, conforme al procedimiento previsto en el Artículo 6 de la Ley para la Transparencia y Ordenamiento de los Servicios Financieros;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por la cancelación de cuentas de depósitos;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por la cancelación de tarjetas de débito;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por la cancelación del servicio de banca electrónica; </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por retiros de efectivo y consultas de saldo en las ventanillas de sus sucursales y en cajeros automáticos operados por las propias instituciones de crédito, cuando la transacción la realicen sus clientes;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por recibir y abonar recursos en las cuentas de depósito de sus Clientes, a través de las ventanillas de sus sucursales y de los cajeros automáticos de las propias instituciones de crédito;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por no utilizar las tarjetas de débito asociadas a las cuentas de nivel 1 previstas en la Circular 3/2012 emitida por el Banco de México, durante un periodo de 365 días naturales;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">A los Clientes que soliciten a la institución de crédito en la que se realice el depósito de su salario, pensiones y otras prestaciones de carácter laboral, que transfiera la totalidad de los recursos depositados a otra institución de crédito que elijan, de conformidad con lo previsto en el artículo 18 de la Ley para la Transparencia y Ordenamiento de los Servicios Financieros, y</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Al depositante de un cheque para abono en su cuenta que sea devuelto o rechazado su pago por la institución de crédito librada, de conformidad con lo previsto en el artículo 4 Bis de la Ley para la Transparencia y Ordenamiento de los Servicios Financieros.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:11pt">Limitaciones y prohibiciones al cobro de comisiones en operaciones de crédito:</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Cuyo importe se determine utilizando una de varias opciones o fórmulas de cálculo en relación con Créditos, salvo que la Comisión que se cobre sea la más baja;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por la cancelación de una o varias tarjetas de crédito emitidas al amparo de un contrato de apertura de crédito ni, en su caso, por la recisión del contrato de apertura de crédito correspondiente;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por la recepción del pago periódico total o parcial de créditos otorgados por la misma Entidad Financiera, en las ventanillas de sus sucursales, a través de sus cajeros automáticos, de transferencias electrónicas de fondos, ni por domiciliación;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por pago tardío de un Crédito, no pago o cualquier otro concepto equivalente, cuando se cobren intereses moratorios durante el mismo período;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por el incumplimiento del pago periódico de un Crédito, salvo que la Comisión no exceda del monto que resulte menor de: i) el importe de dicho incumplimiento, y </span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) el importe que la institución de crédito determine y registre en el Banco de México, conforme al procedimiento previsto en el Artículo 6 de la Ley para la Transparencia y Ordenamiento de los Servicios Financieros;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por no utilizar durante un año calendario la tarjeta de crédito para ejercer la línea de crédito, si durante el mismo período se cobra Comisión por anualidad o algún otro concepto equivalente; </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por la devolución, por cualquier causa, de cheques que hayan recibido como medio de pago de algún Crédito del cual sean acreedoras;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por pago tardío, no pago o cualquier otro concepto equivalente, cuando por causas imputables a la Entidad Financiera ésta no haya acreditado el pago de algún Crédito en términos de lo previsto en la Circular 22/2008 emitida por el Banco de México, la cual establece las fechas en las que deben acreditarse los pagos dependiendo del medio que se haya utilizado para hacerlos;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por realizar las gestiones necesarias para la cancelación de gravámenes relativos a Créditos hipotecarios con motivo del pago total del adeudo. Lo anterior, sin perjuicio de que los Clientes cubran los gastos notariales y registrales que, en su caso, les correspondan;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por la recepción del pago de Créditos otorgados por otras Entidades Financieras, de conformidad con lo previsto en el artículo 4 Bis de la Ley para la Transparencia y Ordenamiento de los Servicios Financieros;</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Por concepto de sobregiro o intento de sobregiro en créditos, préstamos o financiamientos revolventes asociados a una tarjeta, así como en créditos personales de liquidez sin garantía real, de acuerdo con lo previsto en el artículo 18 Bis 8 de la Ley para la Transparencia y Ordenamiento de los Servicios Financieros, y</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Respecto de las tarjetas de crédito básicas que se emitan de conformidad con lo previsto en el artículo 48 Bis 2 de la Ley de Instituciones de Crédito.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Ley de Protección y Defensa al Usuario de Servicios Financieros </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La Ley Federal de Protección y Defensa al Usuario de Servicios Financieros crea a la CONDUSEF. Ésta ejerce además de sus atribuciones de supervisión y vigilancia en materia de transparencia, funciones de árbitro en disputas remitidas a su jurisdicción e intenta mejorar las relaciones entre los usuarios de las instituciones financieras y las propias instituciones. Las instituciones de crédito deben someterse a la jurisdicción de la CONDUSEF, para todos los procesos de conciliación y pueden optar por someterse a la jurisdicción de dicha Comisión, para todos los procesos de arbitraje que se le presenten. Se puede solicitar a las instituciones de crédito la constitución de reservas para cubrir posibles contingencias derivadas de los procesos que se lleven en la CONDUSEF. Las instituciones de crédito están obligadas a acatar las observaciones por parte de la referida Comisión relacionadas con sus acuerdos estándares o con la información utilizada para ofrecer sus servicios. De igual forma, las instituciones de crédito pueden estar sujetas a las medidas o sanciones coercitivas que imponga la CONDUSEF</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Principales Cambios Legales en el Sistema Bancario en México durante los últimos 3 ejercicios </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los principales cambios regulatorios emitidos por las autoridades para el ejercicio 2025, tiene mayor impacto en el cumplimiento fiscal, la protección de datos personales, los sistemas de pagos y la prevención de operaciones con recursos de procedencia ilícita. Estos cambios requirieron revisar y actualizar procesos para asegurar el alineamiento con los nuevos requisitos y mitigar posibles riesgos, lo cual representó ajustes en procedimientos de reportes, controles, documentación y mayor diligencia en la identificación y reporte de diversas actividades”</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt"> ANEXOS 3, 7, 14, 22 y 29 de la Resolución Miscelánea Fiscal para 2025, publicada el 30 de diciembre de 2024. Publicado el 3 de enero de 2025</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">ANEXO 1-A de la Resolución Miscelánea Fiscal para 2025, publicada el 30 de diciembre de 2024. Publicado el 13 de enero de 2025.</span>
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<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><a style="color:#000000" href="https://dof.gob.mx/2025/SHCP/SHCP_200125_01.pdf" target="_self"><span style="font-family:Arial; font-size:11pt">Anexo 16 de la Resolución Miscelánea Fiscal para 2025, publicada el 30 de diciembre de 2024", es necesario descargar el archivo.</span></a><span style="font-family:Arial; font-size:11pt"> Publicado el 20 de enero de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">DISPOSICIONES</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">de carácter general aplicables a las emisoras simplificadas y los valores objeto de inscripción</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">simplificada. Publicado el 21 de enero de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">DISPOSICIONES</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">de car</span><span style="font-family:Arial; font-size:11pt">á</span><span style="font-family:Arial; font-size:11pt">cter general aplicables a las emisoras simplificadas y los valores objeto de inscripci</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">simplificada. Publicado el 21 de enero de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">ANEXO 16-A de la Resolución Miscelánea Fiscal para 2025, publicada el 30 de diciembre de 2024. Publicado el 27 de enero de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">RESOLUCIÓN</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">que modifica las Disposiciones de carácter general aplicables a las emisoras de valores y a otros</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">participantes del mercado de valores. Publicado el 28 de enero de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">CIRCULAR</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">1/2025 dirigida a las instituciones de crédito y otras empresas que presten de manera profesional el</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">servicio de transferencias de fondos, relativo a las Modificaciones a la Circular 13/2017 (Cláusulas al Contrato de</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Terceros). Publicado el 21 de febrero de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">BANXICO Circular 1/2025 </span><span style="font-family:Arial; font-size:11pt">modifications</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">to</span><span style="font-family:Arial; font-size:11pt"> Circular 13/2017 </span><span style="font-family:Arial; font-size:11pt">regarding</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">third</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">parties</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">agreement</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">clauses</span><span style="font-family:Arial; font-size:11pt"> (Circular 1/2025 Cláusulas al Contrato de Terceros). Publicado el 21 de febrero de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">CIRCULAR</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">2/2025 dirigida a los participantes del Sistema de Pagos Electr</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">nicos Interbancarios y dem</span><span style="font-family:Arial; font-size:11pt">á</span><span style="font-family:Arial; font-size:11pt">s</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">interesados en actuar con tal car</span><span style="font-family:Arial; font-size:11pt">á</span><span style="font-family:Arial; font-size:11pt">cter, relativa a las</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Modificaciones a la Circular 14/2017 (C</span><span style="font-family:Arial; font-size:11pt">á</span><span style="font-family:Arial; font-size:11pt">maras de</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Compensaci</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n </span><span style="font-family:Arial; font-size:11pt">de Transferencias de Fondos de Participaci</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Indirecta y Temas Miscel</span><span style="font-family:Arial; font-size:11pt">á</span><span style="font-family:Arial; font-size:11pt">neos). Publicado el 21 de febrero de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><a style="color:#000000" href="https://dof.gob.mx/nota_detalle.php?codigo=5749809&fecha=21/02/2025#gsc.tab=0" target="_blank"><span style="font-family:Arial; font-size:11pt">Decreto</span></a><span style="font-family:Arial; font-size:11pt"> por el que</span><span style="font-family:Arial; font-size:11pt"> se reforman, adicionan y derogan diversas disposiciones de la Ley del Instituto del Fondo Nacional de la Vivienda para los Trabajadores y de la Ley Federal del Trabajo, en materia de vivienda con orientación social. Publicado el 21 de febrero de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><a style="color:#000000" href="https://www.indeval.com.mx/guias-operativas" target="_blank"><span style="font-family:Arial; font-size:11pt">Guía</span></a><span style="font-family:Arial; font-size:11pt"> de Requisitos de Tecnología, Seguridad de la Información y Riesgo Operacional de los Depositantes con INDEVAL. Publicado el 21 de febrero de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">RESOLUCI</span><span style="font-family:Arial; font-size:11pt">Ó</span><span style="font-family:Arial; font-size:11pt">N</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">que modifica las Disposiciones de car</span><span style="font-family:Arial; font-size:11pt">á</span><span style="font-family:Arial; font-size:11pt">cter general aplicables a las sociedades controladoras de</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">grupos financieros y </span><span style="font-family:Arial; font-size:11pt">subcontroladoras</span><span style="font-family:Arial; font-size:11pt"> que regulan las materias que corresponden de manera conjunta a las</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">comisiones nacionales supervisoras. Publicado el 14 de marzo de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">DECRETO</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">por el que</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">se expiden la Ley General de Transparencia y Acceso a la Informaci</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n P</span><span style="font-family:Arial; font-size:11pt">ú</span><span style="font-family:Arial; font-size:11pt">blica; la Ley</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">General de Protecci</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n de Datos Personales en Posesi</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n de Sujetos Obligados; la Ley Federal de Protecci</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n de</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Datos Personales en Posesi</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n de los Particulares;</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">y se reforma el art</span><span style="font-family:Arial; font-size:11pt">í</span><span style="font-family:Arial; font-size:11pt">culo 37, fracci</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n XV, de la Ley Org</span><span style="font-family:Arial; font-size:11pt">á</span><span style="font-family:Arial; font-size:11pt">nica de la</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Administraci</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n P</span><span style="font-family:Arial; font-size:11pt">ú</span><span style="font-family:Arial; font-size:11pt">blica Federal. Publicado el 20 de marzo de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">CIRCULAR</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">3/2025 dirigida a las instituciones de crédito, relativa a las Disposiciones en materia de operaciones de caja, corresponsalía y</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">manejo de piezas presuntamente falsas o alteradas. Publicado el 24 de marzo de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">CIRCULAR</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">4/2025 dirigida a las instituciones de crédito relativa a las Modificaciones a la Circular 8/2023 (puesta</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">en circulación de billetes y monedas metálicas). Publicado el 24 de marzo de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">RESOLUCIÓN</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Modificatoria de la</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">"Resolución que modifica las Disposiciones de carácter general aplicables a las</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">instituciones de crédito", publicada el 14 de junio de 2024. Publicado el 31 de marzo de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Segunda Resoluci</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n de Modificaciones a la Resoluci</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n Miscel</span><span style="font-family:Arial; font-size:11pt">á</span><span style="font-family:Arial; font-size:11pt">nea Fiscal para 2025 y sus anexos 1, 1-A y 9. Publicado el 7 de abril de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">OFICIO</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">No. 366-III-164/2025</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">mediante el cual la Unidad de Seguros, Pensiones y Seguridad Social da a conocer las cuotas que deber</span><span style="font-family:Arial; font-size:11pt">á</span><span style="font-family:Arial; font-size:11pt">n pagar</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">las instituciones de seguros y sociedades mutualistas por concepto de derechos de inspecci</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n y vigilancia de la Comisi</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Nacional de Seguros y</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Fianzas, correspondiente al ejercicio 2025. Publicado el 9 de abril de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">TERCERA</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Resoluci</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n de Modificaciones a la Resoluci</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n Miscel</span><span style="font-family:Arial; font-size:11pt">á</span><span style="font-family:Arial; font-size:11pt">nea Fiscal para 2025 y anexos 1-A, 3, 11, 14 y 15. Publicado el 13 de mayo de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">CIRCULAR</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">5/2025 dirigida a las Instituciones de Crédito, Casas de Bolsa, Casas de Cambio y demás intermediarios que formen</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">parte de Grupos Financieros, relativa a las Modificaciones a la Circular 22/2017 (Reglas aplicables al informe de los participantes</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">al Banco de México relativo a la adhesión al Código Global de Conducta en la celebración de operaciones con divisas). Publicado el 22 de mayo de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">OFICIO</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">por el que se dan a conocer las cuotas anuales y mensuales que deberán pagar los sectores</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">previstos en el artículo 29-D,</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">fracciones I, III a VI, VIII a XI, XIII y XV a XX de la Ley Federal de Derechos,</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">por concepto de servicios de inspección y</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">vigilancia</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">que presta la Comisión Nacional Bancaria y de Valores, correspondientes al ejercicio fiscal 2025. Publicada el 30 de junio de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">CUARTA</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Resolución de Modificaciones a la Resolución Miscelánea Fiscal para 2025 y anexo 7. Publicada el 9 de julio de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">DECRETO</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">por el que se reforman y adicionan diversas disposiciones de la Ley Federal para la Prevención e</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Identificación de Operaciones con Recursos de Procedencia Ilícita, y se reforma el artículo 400 Bis del Código</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Penal Federal. Publicada el 16 de julio de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">DECRETO</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">por el que se reforman, adicionan y derogan diversas disposiciones de la Ley General en Materia de</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Desaparición Forzada de Personas, Desaparición Cometida por Particulares y del Sistema Nacional de Búsqueda</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">de Personas, así como de la Ley General</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">de Población, en materia de fortalecimiento de búsqueda, localización e</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">identificación de personas desaparecidas. Publicada el 16 de julio de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">DISPOSICIONES</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">sobre los factores de riesgos de trabajo para garantizar el derecho al descanso durante la jornada laboral de</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">las personas trabajadoras en bipedestación en los sectores de servicios, comercio, centros de trabajo análogos y establecimientos</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">industriales. Publicada el 17 de julio de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">CIRCULAR</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">6/2025 dirigida a las instituciones de crédito, las sociedades financieras de objeto múltiple reguladas que mantengan</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">vínculos patrimoniales con instituciones de crédito y la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Pesquero,</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">relativo a las</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Modificaciones a la Circular 3/2012 (uso de prestaciones laborales como respaldo de Servicios Financieros</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Contratados por Trabajadores). Publicada el 18 de julio de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">RESOLUCIÓN</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">que modifica las Disposiciones de carácter general aplicables a las casas de bolsa. Publicada el 23 de julio de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">RESOLUCIÓN</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">que modifica las Disposiciones de carácter general aplicables a las bolsas de valores. Publicada el 23 de julio de 2025.RESOLUCI</span><span style="font-family:Arial; font-size:11pt">Ó</span><span style="font-family:Arial; font-size:11pt">N</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">que modifica las Disposiciones de car</span><span style="font-family:Arial; font-size:11pt">á</span><span style="font-family:Arial; font-size:11pt">cter general aplicables a las instituciones de cr</span><span style="font-family:Arial; font-size:11pt">é</span><span style="font-family:Arial; font-size:11pt">dito. Publicada el 24 de julio de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">RESOLUCIÓN</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">que modifica las Disposiciones de carácter general aplicables a los fondos de inversión y a las</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">personas que les prestan servicios. Publicada el 25 de julio de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><a style="color:#000000" href="https://www.banxico.org.mx/marco-normativo/normativa-emitida-por-el-banco-de-mexico/circular-operaciones-de-caja/%7B2F749411-2BF0-719E-2D17-C5EF2FD1D89F%7D.pdf" target="_blank"><span style="font-family:Arial; font-size:11pt">Circular 7/2025</span></a><span style="font-family:Arial; font-size:11pt"> Modificaciones a la Circular 9/2023 de operaciones de caja sobre la puesta en circulación de billetes conmemorativos de los cien años de la fundación del Banco de México. Publicada el 25 de agosto de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">RESOLUCI</span><span style="font-family:Arial; font-size:11pt">Ó</span><span style="font-family:Arial; font-size:11pt">N que modifica las Disposiciones de car</span><span style="font-family:Arial; font-size:11pt">á</span><span style="font-family:Arial; font-size:11pt">cter general aplicables a las casas de bolsa. Publicada el 3 de septiembre de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">RESOLUCI</span><span style="font-family:Arial; font-size:11pt">Ó</span><span style="font-family:Arial; font-size:11pt">N que modifica las Disposiciones de car</span><span style="font-family:Arial; font-size:11pt">á</span><span style="font-family:Arial; font-size:11pt">cter general aplicables a los fondos de inversi</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n y a las personas que les prestan servicios. Publicada el 4 de septiembre de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">RESOLUCIÓN que modifica las Disposiciones de carácter general aplicables a las Sociedades Controladoras de Grupos Financieros sujetas a la supervisión de la Comisión Nacional Bancaria y de Valores. Publicada el 4 de septiembre de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">RESOLUCIÓN que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito. Publicada el 11 de septiembre de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">CIRCULAR</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">8/2025 dirigida a las instituciones de crédito, relativa al Retiro de la circulación de los billetes de 20</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">pesos tipo F. Publicada el 10 de septiembre de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">QUINTA</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Resoluci</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n de modificaciones a la Resoluci</span><span style="font-family:Arial; font-size:11pt">ó</span><span style="font-family:Arial; font-size:11pt">n Miscel</span><span style="font-family:Arial; font-size:11pt">á</span><span style="font-family:Arial; font-size:11pt">nea Fiscal para 2025. Publicada el 22 de octubre de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">CIRCULAR</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Modificatoria 4/25 de la Única de Seguros y Fianzas. Publicada el 24 de octubre de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">ANEXO</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">1-A de la Quinta Resolución de modificaciones a la Resolución Miscelánea Fiscal para 2025, publicada el 22 de octubre</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">de 2025. Publicada el 28 de octubre de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">ANEXOS</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">1, 14, 15, 26, 27, 29, 30, 31 y 32 de la Quinta Resolución de modificaciones a la Resolución Miscelánea Fiscal para 2025,</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">publicada el 22 de octubre de 2025. Publicada el 3 de noviembre de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">DECRETO</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">por el que se reforman, adicionan y derogan diversas disposiciones de la Ley Federal de Derechos. Publicada el 7 de noviembre de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">DECRETO</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">por el que se reforman, adicionan y derogan diversas disposiciones del Código Fiscal de la Federación. Publicada el 7 de noviembre de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">DECRETO</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">por el que se expide la Ley de Ingresos de la Federación para el Ejercicio Fiscal de 2026. Publicada el 7 de noviembre de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">RESOLUCIÓN</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">por la que se reforma la diversa que expide el formato oficial para el reporte de transferencias internacionales de fondos en</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">términos de las Disposiciones de carácter general a que se refiere el artículo 115 de la Ley de Instituciones de Crédito,</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">así como el instructivo</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">para su llenado. Publicada el 27 de noviembre de 2025.</span>
</p>
<p style="margin:6pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify; background-color:#ffffff">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Acuerdo por el que se modifican los Formatos de los Contratos de Adhesión a que se refieren los anexos 1 y 2 de las Reglas de carácter general para la recepción de información de declaraciones fiscales y la recaudación de recursos federales por parte de las instituciones de crédito. Publicado el 04 de enero de 2024.</span>
</p>
<p style="margin:6pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify; background-color:#ffffff">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Anexos 3 y 7 de la Resolución Miscelánea Fiscal para 2024, publicada el 29 de diciembre de 2023. Publicados el 05 de enero de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular Modificatoria 17/23 de la Única de Seguros y Fianzas. Publicada el 08 de enero de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Anexo 16 de la Resolución Miscelánea Fiscal para 2024, publicada el 29 de diciembre de 2023. Publicado el 29 de enero de 2024</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Anexo 16-A de la Resolución Miscelánea Fiscal para 2024. Publicado el 02 de febrero de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito. Publicada el 07 de febrero de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 1/2024 dirigida a las Instituciones de Banca Múltiple, relativa a la facilidad permanente de liquidez. Publicada el 12 de febrero de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 2/2024, dirigida a las instituciones de crédito, casas de bolsa, fondos de inversión y sociedades de inversión especializadas de fondos para el retiro relativa a las Modificaciones a la Circular 2/2011 (inclusión de los BONDES G y BONOS MS). Publicada el 15 de febrero de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito (empresas de servicios y sociedades inmobiliarias). Publicada el 27 de febrero de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito (bienes adjudicados). Publicada el 27 de febrero de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Acuerdo por el que se establece el medio electrónico y se expide el formato oficial para que las instituciones de crédito presenten el aviso a que hace referencia el segundo párrafo de la 62ª </span><span style="font-family:Arial; font-size:11pt">Octies</span><span style="font-family:Arial; font-size:11pt"> de las Disposiciones de carácter general a que se refiere el artículo 115 de la Ley de Instituciones de Crédito. Publicado el 04 de marzo de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 3/2024 Modificaciones a la Circular 9/2023 en materia de Operaciones de Caja sobre la actualización de Plazas a la Par. Publicada el 04 de marzo de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 4/2024 Modificaciones a la Circular 9/2023 en materia de Operaciones de Caja sobre temas de seguridad informática. Publicada el 04 de marzo de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las casas de bolsa (Indicadores Financieros Anexo 6 NIF Casas de Bolsa). Publicada el 16 de abril de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito (Indicadores Financieros Anexo 34 NIF). Publicada el 16 de abril de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 5/2024 dirigida a las instituciones de banca múltiple, sociedades financieras de objeto múltiple reguladas que mantengan vínculos patrimoniales con instituciones de crédito, sociedades financieras de objeto múltiple no reguladas, sociedades financieras de objeto múltiple reguladas que mantengan vínculos patrimoniales con entidades distintas a las instituciones de crédito, sociedades financieras populares con nivel de operaciones IV, en términos de la Ley de Ahorro y Crédito Popular, sociedades financieras comunitarias con nivel de operaciones IV, en términos de la Ley de Ahorro y Crédito Popular, sociedades cooperativas de ahorro y préstamo con nivel de operaciones IV, en términos de la Ley de Ahorro y Crédito Popular, entidades financieras que actúen como fiduciarias en fideicomisos que otorguen crédito o financiamiento al público y las instituciones de banca de desarrollo, que emitan tarjetas de crédito, relativo a la Ampliación del plazo de las medidas provisionales en materia de montos de pago mínimo aplicables a créditos, préstamos o financiamientos revolventes asociados a tarjetas de crédito, como consecuencia de los daños ocasionados por los fenómenos hidrometeorológicos con afectación severa en el Estado de Guerrero. Publicada el 30 de abril de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 6/2024 Modificaciones a la Circular 9/2023 en materia de Operaciones de Caja sobre la actualización de los factores que se utilizan para calcular las comisiones que pagan los Usuarios por el servicio de corresponsalía de caja. Publicada el 02 de mayo de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 7/2024 dirigida a las instituciones de crédito, casas de bolsa, fondos de inversión, sociedades de inversión especializadas de fondos para el retiro, almacenes generales de depósito, instituciones de seguros, instituciones de fianzas, sociedades financieras de objeto múltiple reguladas que mantengan vínculos patrimoniales con una institución de crédito y la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero, relativa a las Modificaciones a las Reglas a las que deberán sujetarse las instituciones de crédito, casas de bolsa, fondos de inversión, sociedades de inversión especializadas de fondos para el retiro, almacenes generales de depósito, instituciones de seguros, instituciones de fianzas, sociedades financieras de objeto múltiple reguladas que mantengan vínculos patrimoniales con una institución de crédito y la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero, en sus operaciones de reporto. Publicada el 16 de mayo de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 8/2024 Modificaciones a la Circular 9/2023 de Operaciones de Caja sobre la puesta en circulación de billetes conmemorativos de los treinta años de autonomía del Banco de México. Publicada el 20 de mayo de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito (Serie R36 Pagos Anticipados y Cargos Diferidos, Reporte A-3601 Erogaciones o Gastos, Serie R07 Impuesto a la Utilidad y Serie R07 y PTU Diferidos, Reporte A-0711 Impuestos a la Utilidad y PTU Diferidos). Publicada el 30 de mayo de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Primera Resolución de Modificaciones a la Resolución Miscelánea Fiscal para 2024 y anexos 1, 9, 11, 14, 15, 23, 29 y 30. Publicada el 04 de junio de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular Modificatoria 2/24 de la Única de Seguros y Fianzas</span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:11pt">(Criterios ASG). Publicada el 05 de junio de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 9/2024 dirigida a las instituciones de crédito, casas de bolsa, fondos de inversión, sociedades financieras de objeto múltiple que tengan vínculos patrimoniales con una institución de banca múltiple, almacenes generales de depósito, instituciones de seguros y a la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero, relativa a las Modificaciones a la Circular 7/2023 (excepciones para Swaps con TIIE de 28 días). Publicada el 07 de junio de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Decreto por el que se reforman y adicionan diversas disposiciones de la Ley General para Prevenir, Sancionar y Erradicar los Delitos en Materia de Trata de Personas y para la Protección y Asistencia a las Víctimas de estos Delitos. Publicado el 07 de junio de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Oficio por el que se dan a conocer las cuotas anuales y mensuales que deberán pagar las entidades financieras por concepto de servicios de inspección y vigilancia que presta la Comisión Nacional Bancaria y de Valores, correspondientes al ejercicio fiscal 2024. Publicado el 10 de junio de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito (Control Interno de Fraudes). Publicada el 14 de junio de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución por la que se modifican los Lineamientos para la Evaluación de Desempeño de las Instituciones de Banca Múltiple. Publicada el 04 de julio de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que reforma, adiciona y deroga diversos artículos de la que expide el formato oficial para el intercambio de información de clientes y usuarios con entidades financieras extranjeras, en términos de las Disposiciones de carácter general a que se refiere el artículo 115 de la Ley de Instituciones de Crédito, así como el instructivo para su llenado. Publicada el 09 de julio de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito (Comisionista Base Tecnológica). Publicada el 11 de julio de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución por la que se expide el formato oficial para que las instituciones de crédito lleven a cabo el intercambio de información en términos de lo previsto en el primer párrafo de la 62ª </span><span style="font-family:Arial; font-size:11pt">Octies</span><span style="font-family:Arial; font-size:11pt"> de las Disposiciones de carácter general a que se refiere el artículo 115 de la Ley de Instituciones de Crédito. Publicada el 19 de julio de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 10/2024 Modificaciones a la Circular de Operaciones de Caja sobre la puesta en circulación de una moneda de $20, conmemorativa de los 500 años de la fundación de la primera Villa de Colima. Publicada el 19 de julio de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular Modificatoria 4/24 de la Única de Seguros y Fianzas. Publicada el 07 de agosto de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito (Requerimientos de Capital por Riegos Operacional bajo el Método del Indicador de Negocio). Publicada el 14 de agosto de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que reforma, adiciona y deroga diversas de las Disposiciones de carácter general a que se refiere el artículo 115 de la Ley de Instituciones de Crédito. Publicada el 28 de agosto de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito (Flexibilización registro cuenta corriente o bancaria TESOFE en banca electrónica). Publicada el 29 de agosto de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular Modificatoria 3/24 de la Única de Seguros y Fianzas (Anexos 7.2.5 Escenarios prueba solvencia dinámica). Publicada el 06 de septiembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito (Anexo 4 Expedientes Créditos Comerciales saldo menor 4 </span><span style="font-family:Arial; font-size:11pt">mill</span><span style="font-family:Arial; font-size:11pt"> de </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">). Publicada el 30 de septiembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 11/2024 dirigida a las instituciones de crédito, casas de bolsa, fondos de inversión, sociedades financieras de objeto múltiple que tengan vínculos patrimoniales con una institución de banca múltiple, almacenes generales de depósito, instituciones de seguros y la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero, relativa a las Modificaciones a la Circular 4/2012 (Intercambio Transfronterizo de Información). Publicada el 11 de octubre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Segunda Resolución de Modificaciones a la Resolución Miscelánea Fiscal para 2024 y anexos 1, 3 y 7. Publicada el 11 de octubre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Anexo 1-A de la Segunda Resolución de Modificaciones a la Resolución Miscelánea Fiscal para 2024, publicada el 11 de octubre de 2024. Publicada el 15 de octubre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Decreto por el que otorga un diferimiento del momento de la acumulación de los intereses que se obtengan en las operaciones de intercambio (swap) cuyo subyacente sea la Tasa de Interés Interbancaria de Equilibrio a plazo de 28 días, que se conviertan en otras operaciones de intercambio (swap) cuyo subyacente sea la Tasa de Interés Interbancaria de Equilibrio a plazo de un día hábil bancario (TIIE de Fondeo), con el fin de que se consideren dichas operaciones como una sola operación financiera derivada integrada y tengan los efectos fiscales correspondientes. Publicado el 12 de noviembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 13/2024 dirigida a las instituciones de crédito, casas de bolsa, fondos de inversión, sociedades de inversión especializadas de fondos para el retiro, almacenes generales de depósito, instituciones de seguros, instituciones de fianzas, sociedades financieras de objeto múltiple reguladas que mantengan vínculos patrimoniales con una institución de crédito y la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero, relativa a las Modificaciones a las Reglas a las que deberán sujetarse las instituciones de crédito, casas de bolsa, fondos de inversión, sociedades de inversión especializadas de fondos para el retiro, almacenes generales de depósito, instituciones de seguros, instituciones de fianzas, sociedades financieras de objeto múltiple reguladas que mantengan vínculos patrimoniales con una institución de crédito y la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero, en sus operaciones de reporto. Publicada el 14 de noviembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Tercera Resolución de Modificaciones a la Resolución Miscelánea Fiscal para 2024 y anexos 1, 1-A, 14, 15 y 29. Publicada el 12 de diciembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 15/2024 dirigida a las instituciones de crédito, casas de bolsa, fondos de inversión, sociedades financieras de objeto múltiple que tengan vínculos patrimoniales con una institución de banca múltiple, almacenes generales de depósito, instituciones de seguros y la Financiera Nacional de Desarrollo </span><span style="font-family:Arial; font-size:11pt">Agropecuario, Rural, Forestal y Pesquero, relativa a las Modificaciones a la Circular 4/2012 (Fondos de Inversión de Cobertura). Publicada el 17 de diciembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 16/2024 dirigida a las instituciones de crédito, casas de bolsa, fondos de inversión, sociedades de inversión especializadas de fondos para el retiro, instituciones de seguros, instituciones de fianzas y la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero, relativa a las Modificaciones a las Reglas a las que deberán sujetarse las instituciones de crédito, casas de bolsa, fondos de inversión, sociedades de inversión especializadas de fondos para el retiro, instituciones de seguros, instituciones de fianzas y la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero, en sus operaciones de préstamo de valores. Publicada el 17 de diciembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Decreto por el que se reforman y adicionan diversas disposiciones de la Ley Federal del Trabajo. Publicado el 19 de diciembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular Límite monedas 10 y 20 centavos para 2025. Publicada el 19 de diciembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Decreto por el que se expide la Ley de Ingresos de la Federación para el Ejercicio Fiscal de 2025. Publicado el 19 de diciembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Decreto por el que se reforman, adicionan y derogan diversas disposiciones de la Ley Federal de Derechos. Publicado el 19 de diciembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular Modificatoria 8/24 de la Única de Seguros y Fianzas. Publicada el 27 de diciembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito</span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:11pt">(Eliminación reporte regulatorio A-2815: Método del Indicador de Negocio para Riesgo Operacional). Publicada el 27 de diciembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución Miscelánea Fiscal para 2025, y sus Anexos 1, 5, 6, 8, 15, 19 y 27. Publicada el 30 de diciembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las emisoras de valores y a otros participantes del mercado de valores. Publicada el 30 de diciembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito</span><span style="font-family:Arial; font-size:9pt"> (</span><span style="font-family:Arial; font-size:11pt">Criterio Contable B-6 Cartera de Crédito). Publicada el 30 de diciembre de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Anexo 14 de la Resolución Miscelánea Fiscal para 2023, publicada el 27 de diciembre de 2022. Publicado el 11 de enero de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Anexos 23, 28, 29, 30, 31 y 32 de la Resolución Miscelánea Fiscal para 2023, publicada el 27 de diciembre de 2022. Publicados el 12 de enero de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Anexo 16 de la Resolución Miscelánea Fiscal para 2023, publicada el 27 de diciembre de 2022. Publicado el 13 de enero de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Anexo 16-A de la Resolución Miscelánea Fiscal para 2023, publicada el 27 de diciembre de 2022. Publicado el 23 de enero de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 2/2023 dirigida a las Instituciones de Crédito, Casas de Bolsa, Fondos de Inversión, Sociedades Financieras de Objeto Múltiple reguladas que mantengan vínculos patrimoniales con una Institución de Crédito, Almacenes Generales de Depósito y la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero, relativa a las Modificaciones a la Circular 4/2012 (Márgenes Iniciales y de Variación). Publicado el 14 de marzo de 2024.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Segunda Resolución de Modificaciones a la Resolución Miscelánea Fiscal para 2023 y Anexos 1, 1-A, 3, 9, 14, 15 y 23. Publicada el 25 de abril de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular Modificatoria 2/23 de la Única de Seguros y Fianzas. Publicada el 16 de mayo 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Modificaciones a la Circular de Operaciones de Caja sobre el retiro de la circulación de los Billetes de 50 pesos Tipo “F”. Publicadas el 14 de junio de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 6/2023 dirigida a las Instituciones de Crédito, Casas de Bolsa, Fondos de Inversión, Sociedades Financieras de Objeto Múltiple que tengan vínculos patrimoniales con Instituciones de Banca Múltiple, Almacenes Generales de Depósito, Instituciones de Seguros y la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero, relativa a las modificaciones a las Reglas para la realización de operaciones derivadas (Circular 4/2012). Publicada el 15 de junio de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Quinta Resolución de Modificaciones a la Resolución Miscelánea Fiscal para 2023 y anexos 1-A, 7, 11, 14 y 23. Publicada el 13 de julio de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular Modificatoria 4/23 de la Única de Seguros y Fianzas. Publicada el 22 de agosto de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Modificaciones a la Circular de Operaciones de Caja sobre la actualización de comisiones que pagan los Usuarios por el servicio de corresponsalía de caja y actualización de Plazas a la Par. Publicadas el 31 de agosto de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 7/2023 dirigida a las Instituciones de Crédito, Casas de Bolsa, Fondos de Inversión, Sociedades Financieras de Objeto Múltiple que tengan vínculos patrimoniales con una Institución de Banca Múltiple, Almacenes Generales de Depósito, Instituciones de Seguros y a la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero, relativa a las modificaciones a la Circular 4/2012 (transición de las TIIE a plazos mayores a un día hábil bancario, a la TIIE de Fondeo). Publicada el 8 de septiembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 8/2023 dirigida a las Instituciones de Crédito, relativa a los medios para dar a conocer las circulares que el Banco de México emita en materia de almacenamiento, abastecimiento, canje, entrega, retiro, reproducción y destrucción de billetes y monedas metálicas, así como corresponsalía de caja. Publicada el 8 de septiembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito. Publicada el 13 de septiembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las entidades financieras y demás personas que proporcionen servicios de inversión. Publicada el 13 de septiembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito. Reporte Regulatorio R04 Cartera Equidad de Género. Publicada el 27 de septiembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Acuerdo por el que se modifican los Anexos I, II y IV de la Disposición en materia de registros ante la CONDUSEF. Publicado el 28 de septiembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Anexos 1-A, 14, y 15 de la Séptima Resolución de Modificaciones a la Resolución Miscelánea Fiscal para 2023, publicada el 18 de octubre de 2023. Publicados el 19 de octubre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular Modificatoria 3/23 de la Única de Seguros y Fianzas. Publicada el 18 de octubre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Decreto por el que se reforman diversas disposiciones de la Ley General de Sociedades Mercantiles. Publicado el 20 de octubre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 9/2023 - Operaciones de caja. Publicada el 27 de octubre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 10/2023, dirigida a las Instituciones de Banca Múltiple, Sociedades Financieras de Objeto Múltiple reguladas que mantengan vínculos patrimoniales con Instituciones de Crédito, Sociedades Financieras de Objeto Múltiple no reguladas, Sociedades Financieras de Objeto Múltiple reguladas que mantengan vínculos patrimoniales con entidades distintas a las Instituciones de Crédito, Sociedades Financieras Populares con nivel de operaciones IV, en términos de la Ley de Ahorro y Crédito Popular, Sociedades Financieras Comunitarias con nivel de operaciones IV, en términos de la Ley de Ahorro y Crédito Popular, Sociedades Cooperativas de Ahorro y Préstamo con nivel de operaciones IV, en términos de la Ley de Ahorro y Crédito Popular, entidades financieras que actúen como fiduciarias en fideicomisos que otorguen crédito o financiamiento al público y las Instituciones de Banca de Desarrollo, que emitan tarjetas de crédito, relativa a las Medidas provisionales en materia de montos de pago mínimo aplicables a créditos, préstamos o financiamientos revolventes asociados a tarjetas de crédito, como consecuencia de los daños ocasionados por los fenómenos hidrometeorológicos con afectación severa en el Estado de Guerrero. Publicada el 2 de noviembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Decreto por el que se reforman, adicionan y derogan diversas disposiciones de la Ley Federal de Derechos. Publicada el 13 de noviembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Decreto por el que se expide la Ley de Ingresos de la Federación para el Ejercicio Fiscal de 2024. Publicada el 13 de noviembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 11/2023 dirigida a las Instituciones de Crédito y otras empresas que presten de manera profesional el servicio de transferencias de fondos, relativa a las Modificaciones a la Circular 13/2017 (Oficial de Seguridad de la Información del Sistema de Pagos Interbancarios en dólares). Publicada el 22 de noviembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 12/2023 dirigida a los participantes del Sistema de Pagos Electrónicos Interbancarios y demás interesados en actuar con tal carácter, relativa a las Modificaciones a la Circular 14/2017 (Fortalecimiento de las Disposiciones en Materia de Ciberseguridad y Tecnologías de la Información del Sistema de Pagos Electrónicos Interbancarios). Publicada el 22 de noviembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 13/2023 dirigida a los participantes en el Sistema de Pagos Interbancarios en dólares, relativa a las Modificaciones a la Circular 4/2016 (Fortalecimiento de las Disposiciones en Materia de Ciberseguridad y Tecnologías de la Información del Sistema de Pagos Interbancarios en Dólares). Publicada el 22 de noviembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Octava Resolución de Modificaciones a la Resolución Miscelánea Fiscal para 2023 y Anexos 1 y 1-A. Publicada el 23 de noviembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 14/2023 Modificaciones a la Circular de Operaciones de Caja sobre la puesta en circulación de una moneda de $20, conmemorativa de los Doscientos Años de Relaciones Diplomáticas entre los Estados Unidos Mexicanos y los Estados Unidos de América. Publicada el 6 de diciembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 15/2023, dirigida a las instituciones de crédito y sociedades financieras de objeto múltiple reguladas, relativa a las Modificaciones a la Circular 14/2007 (TIIE de Fondeo Compuesta por Adelantado a 28, 91 y 182 días). Publicada el 13 de diciembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 16/2023, dirigida a las instituciones de crédito, las sociedades financieras de objeto múltiple reguladas que mantengan vínculos patrimoniales con instituciones de crédito y la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero, relativa a las Modificaciones a la Circular 3/2012 </span><span style="font-family:Arial; font-size:11pt">(TIIE de Fondeo Compuesta por Adelantado a 28, 91 y 182 días). Publicada el 13 de diciembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 17/2023, dirigida a las instituciones de crédito, casas de bolsa, fondos de inversión, sociedades financieras de objeto múltiple que tengan vínculos patrimoniales con Instituciones de Banca Múltiple, Almacenes Generales de Depósito, Instituciones de Seguros y la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero, relativa a las Modificaciones a las Reglas para la realización de Operaciones Derivadas, contenidas en la Circular 4/2012 (Intercambio de Márgenes Iniciales y de Variación). Publicada el 13 de diciembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 18/2023, dirigida a las instituciones de crédito, casas de bolsa, fondos de inversión, sociedades financieras de objeto múltiple que tengan vínculos patrimoniales con Instituciones de Banca Múltiple, Almacenes Generales de Depósito, Instituciones de Seguros y la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero, relativa a las Modificaciones a la Circular 2/2023 (Márgenes Iniciales y de Variación). Publicada el 13 de diciembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 19/2023, dirigida a las instituciones de crédito, casas de bolsa, fondos de inversión, sociedades financieras de objeto múltiple que tengan vínculos patrimoniales con una Institución de Banca Múltiple, Almacenes Generales de Depósito, Instituciones de Seguros y la Financiera Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero, relativa a las Modificaciones a la Circular 4/2012 (Requerimientos para las entidades que pretendan realizar Operaciones Derivadas). Publicada el 21 de diciembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Circular 20/2023, dirigida a las instituciones de crédito, sociedades financieras de objeto múltiple reguladas, instituciones de fondos de pago electrónico e instituciones de financiamiento colectivo, relativa a las modificaciones a la Circular 36/2010 (adopción obligatoria del catálogo de categorías de comisiones). Publicada el 22 de diciembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito. Publicada el 27 de diciembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución Modificatoria de la Resolución que modifica las Disposiciones de carácter general aplicables a las instituciones de crédito, publicada el 17 de abril de 2023. Publicada el 27 de diciembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Decreto por el que se reforman, adicionan y derogan diversas disposiciones de la Ley del Mercado de Valores y de la Ley de Fondos de Inversión. Publicado el 28 de diciembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Resolución Miscelánea Fiscal para 2024 y sus anexos 1, 5, 8, 15, 19 y 27. Publicada el 29 de diciembre de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Situación Tributaria </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Conforme a la Ley de ISR vigente a partir del 1 de enero de 2014, se establece una tasa de ISR del 30%, misma que continua vigente.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A partir del ejercicio de 2014 la base de cálculo de la PTU causada será la utilidad fiscal que se determine para efectos de ISR, de conformidad con el artículo 9 de la Ley del ISR, la cual para el año terminado al 31 de diciembre de 2025 el Banco obtuvo utilidad fiscal y, por lo tanto, generó PTU por pagar. La tasa de PTU vigente es del 10%.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">No obstante, para la determinación de la PTU el Banco observo la reforma publicada en el DOF el 23 de abril de 2021 en materia de subcontratación laboral, en la cual se incluyó una modificación para la determinación de la PTU, estableciendo límites máximos, consistentes en la cantidad que resulte más favorable para el trabajador entre: los tres meses del salario percibido o del promedio de la PTU recibida en los últimos tres años.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En este sentido por el ejercicio terminado al 31 de diciembre de 2025, el Banco tuvo una utilidad fiscal, por lo que generó una PTU causada que asciende a MXN 931, reconocidos dentro del rubro de “Gastos de administración y promoción” en el estado consolidado de resultados. Por el ejercicio terminado al 31 de diciembre de 2024, el Banco obtuvo una utilidad fiscal, por lo que generó una PTU causada que ascendió a MXN 1,026. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La legislación fiscal vigente, establece que las autoridades tienen la facultad de revisar hasta los cinco ejercicios fiscales anteriores a la última declaración del ISR presentada.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Conforme a la Ley del ISR, las empresas que realicen operaciones con partes relacionadas residentes en el país o en el extranjero, están sujetas a limitaciones y obligaciones fiscales, en cuanto a la determinación de los precios pactados, ya que éstos deberán ser equiparables a los que utilizarían con o entre partes independientes en operaciones comparables.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025 el saldo de la Cuenta de Capital de Aportación (CUCA) asciende a MXN 75,753. Al 31 de diciembre de 2024 el saldo de la CUCA asciende a MXN 73,057 y al 31 de diciembre de 2023 el saldo fue de MXN 70,015. Por otra parte, en relación al saldo de la Cuenta de Utilidad Fiscal Neta (CUFIN) y dado que existieron cambios en la legislación fiscal aplicable para 2014, la Ley del ISR establece una retención adicional para el pago de dividendos provenientes de utilidades generadas a partir del 2014 aplicable a las Personas Físicas y a los Residentes en el Extranjero. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">El Banco no cuenta con algún beneficio fiscal especial ni está sujeto a algún impuesto especial diferente a los propios del sector. Únicamente se cuenta con un criterio, que aplica a aquellos bancos mexicanos que se apegaron al Programa de Apoyo para Deudores de Créditos de Vivienda, al Programa de Apoyo para la Edificación de Vivienda en Proceso de Construcción en su etapa de Créditos Individualizados y al Acuerdo de Beneficios Adicionales al Programa de Apoyo Crediticio a los Estados y Municipios (Programas Vivienda y Estados y Municipios), que genera un pasivo diferido que corresponde al devengamiento de los intereses relacionados a Estados y Municipios y Vivienda.</span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:Arial; font-size:9pt; -aw-sdt-tag:goog_rdk_23"> </span><span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, HSBC México contaba con 12,944 empleados, de los cuales 75.52% son empleados no sindicalizados y 24.48% son sindicalizados. Igualmente, HSBC México no cuenta con empleados externos contratados por empresas dedicadas a la prestación de servicios de tercerización, para proyectos y periodos específicos. </span>
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<span style="font-family:Arial; font-size:11pt">HSBC México redujo su planta de personal en un 4.8% durante 2025 con una diferencia de 659 empleados menos. Todo esto alineándose a las nuevas leyes Laborales en México.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">Número de empleados</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">% no sindicalizados</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">% sindicalizados</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2023</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">14,216</span>
</p>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:119.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">72.4%</span>
</p>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:105.6pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">27.6%</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2024</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">13,603</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">73.9%</span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:105.6pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">26.1%</span>
</p>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2025</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">12,944</span>
</p>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:119.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">75.5%</span>
</p>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:105.6pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">24.5%</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Desde marzo de 1993, el Banco tiene celebrado un contrato colectivo de trabajo con el Sindicato de Trabajadores de HSBC, el cual se encuentra debidamente depositado ante la H. Junta Federal de Conciliación y Arbitraje. Dicho contrato es revisado anualmente en términos de los artículos 397, 398, 399 y 399 bis de la Ley Federal del Trabajo. El Banco mantiene una excelente relación de trabajo con el sindicato.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Hasta donde el Banco tiene conocimiento, durante la relación laboral colectiva no ha existido emplazamiento a huelga alguno por parte del sindicato. HSBC México considera que las disposiciones más importantes del contrato colectivo de trabajo se han venido cumpliendo por ambas partes.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<a name="_Hlk227265939" href="#" ><span style="font-family:Arial; font-size:11pt">El promedio anual de capacitación es de 46 horas por empleado. La retención y desarrollo del talento dentro de HSBC es un objetivo clave y el Banco es parte de esta iniciativa global para identificar y desarrollar el talento. </span></a>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Esto incluye exposición a proyectos de trabajo internacionales, por lo que al 31 de diciembre de 2025 se tenía aproximadamente 7 colaboradores en asignación internacional trabajando en México y 3 mexicanos trabajando en otros países donde tiene operaciones HSBC.</span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="-aw-bookmark-end:_Hlk227265939"></span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Equidad </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">De acuerdo a las políticas Globales de Recursos Humanos de HSBC Mexico, todas las entidades del Grupo cuentan con políticas que demuestren su compromiso de brindar oportunidades igualitarias para todos los empleados, trabajadores y aspirantes, las cuales</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">garanticen que no se les someterá a discriminación, </span><span style="font-family:Arial; font-size:11pt; font-style:italic">bullying</span><span style="font-family:Arial; font-size:11pt">, acoso o trato injusto con base en su edad, color, discapacidad, origen étnico o nacionalidad, género, expresión de género, identidad de género, estado civil, embarazo, período de lactancia, raza, religión o creencias, u orientación sexual. Dichas políticas deben cumplir con la legislación adecuada dentro de los países y territorios de operación, además de expresar con claridad el compromiso del Grupo para eliminar todas las formas de discriminación, </span><span style="font-family:Arial; font-size:11pt; font-style:italic">bullying</span><span style="font-family:Arial; font-size:11pt">, acoso o trato injusto en el lugar de trabajo.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Estas políticas son parte de la normativa Global del Banco y el responsable de vigilar su cumplimiento es Recursos Humanos.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El consejo de Administración del Banco se integra por tres mujeres, representando el 33% y por seis hombres que representan el 67%.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Los Directivos relevantes se integran por 5 mujeres y 9 hombres que representa el 36% y el 64% respectivamente.</span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Además de proporcionar financiamiento para acelerar las soluciones al cambio climático, buscamos maximizar nuestra contribución a un futuro más sostenible adoptando iniciativas que reduzcan nuestro consumo de energía, agua, papel y nuestras emisiones de carbono. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En términos de emisiones operativas, HSBC México reportó el uso de energía renovable en México gracias a una combinación de contratos de compra de energía (PPA por sus siglas en ingles) y certificados internacionales de energía renovable (</span><span style="font-family:Arial; font-size:11pt">IRECs</span><span style="font-family:Arial; font-size:11pt"> por sus siglas en ingles). </span>
</p>
<p style="margin:0pt; text-align:justify">
<br /><span style="font-family:Arial; font-size:11pt">En cuanto a la gestión ambiental de nuestros edificios, contamos con relevantes certificaciones LEED (</span><span style="font-family:Arial; font-size:11pt; font-style:italic">Leadership</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> in Energy and </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Environmental</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Design</span><span style="font-family:Arial; font-size:11pt"> por sus siglas en inglés) por el desempeño ambiental de nuestras principales oficinas. En nuestras oficinas centrales en Ciudad de México contamos con certificación nivel oro en el diseño y construcción del edificio, reconociendo como fue diseñado y construido de manera sustentable desde su fase inicial; también con certificación platino (la más alta posible) en operaciones y mantenimiento, evaluando el desempeño de la eficiencia ambiental de recursos a lo largo del tiempo. Adicional, nuestro centro de tecnología en Toluca cuenta con una certificación igualmente para construcción y diseño y al menos 25 de nuestras sucursales se encuentran en edificios o centros comerciales con algún nivel de certificación LEED. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Referente a la gestión de riesgos, hemos estado trabajando con nuestros clientes comerciales para ayudarlos a comprender y gestionar su impacto ambiental y social. HSBC México al ser parte de Grupo HSBC, adopta en medida que sean aplicables, las mismas políticas de riesgos de sostenibilidad específicas que cubren materias primas agrícolas, silvicultura, minería y metales, carbón térmico y energía, adicionalmente aplicamos los Principios de Ecuador en el financiamiento de proyectos. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Estas prácticas en materia de sostenibilidad e impacto ambiental han llevado a HSBC Mexico a ser reconocido 3 años consecutivos (2023, 2024 y 2025) por la prestigiosa revista británica </span><span style="font-family:Arial; font-size:11pt">Euromoney</span><span style="font-family:Arial; font-size:11pt"> como el mejor banco ASG de México, fortaleciendo nuestro compromiso y motivando aún más nuestros esfuerzos para lograr la transición hacia una economía de cero emisiones netas.</span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
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<p style='font-family:Arial;font-size: 8pt'><html>
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<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México cuenta con una plataforma sólida para mantener el crecimiento, aprovechando su amplia base de clientes, penetración geográfica y su imagen como una importante institución bancaria global. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las cifras presentadas a continuación corresponden a información publicada por la CNBV y no necesariamente coinciden con los estados financieros auditados que se anexan a este reporte anual. La referencia a las instituciones financieras más grandes se hace respecto al tamaño de sus activos. Dichas instituciones son: BBVA México, Santander, Banorte, Banamex, Scotiabank e Inbursa.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Indicadores de Mercado a diciembre 2025</span><span style="font-family:Arial; font-size:12pt; font-weight:normal; font-style:italic"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:517.9pt">
<tr style="height:15.45pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:top; width:71.4pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">(En Millones de Pesos)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:top; width:62.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Total Mercado</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:middle; width:46.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">HSBC</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:middle; width:59.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">BBVA México</span>
</p>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:middle; width:57.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Santander</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:middle; width:55.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Banorte</span>
</p>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:middle; width:55.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Banamex</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:middle; width:61.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Scotiabank</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:middle; width:46.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Inbursa</span>
</p>
</td>
</tr>
<tr style="height:15.45pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:71.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Activos Totales</span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">1</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:62.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 15,569,476 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:46.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 902,875 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:59.65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 3,437,869 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:57.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 2,074,455 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:55.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 1,966,230 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:55.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 1,112,198 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:61.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 893,217 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:46.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 700,467 </span>
</p>
</td>
</tr>
<tr style="height:8.95pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:71.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cartera Total</span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">/</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:62.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 8,166,689 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:46.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 478,622 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:59.65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 2,089,062 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:57.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 985,629 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:55.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 1,231,946</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:55.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 521,572 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:61.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 535,207 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:46.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 476,395 </span>
</p>
</td>
</tr>
<tr style="height:15.45pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:71.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Captación Total</span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">2</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:62.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 9,600,984 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:46.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 578,129 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:59.65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 2,202,392 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:57.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 1,117,057 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:55.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 1,271,061 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:55.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 820,850 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:61.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 576,114 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:46.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 456,224 </span>
</p>
</td>
</tr>
<tr style="height:15.45pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:71.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Utilidad Neta Acumulada</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:62.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 304,400 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:46.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 7,312 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:59.65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 98,946 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:57.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 32,329 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:55.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 47,380 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:55.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 16,096 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:61.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 10,241 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:middle; width:46.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 22,528 </span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:7.33pt; vertical-align:super">1/</span><span style="font-family:Arial; font-size:11pt"> El boletín de la CNBV fue elaborado a partir de la información disponible al 21 de enero de 2026, recibida en los Reportes Regulatorios que las entidades supervisadas envían a la Comisión. se presenta la información reportada de las Instituciones de Banca Múltiple consolidada con la de sus SOFOMER.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:7.33pt; vertical-align:super">2/</span><span style="font-family:Arial; font-size:11pt"> Captación total incluye captación tradicional y préstamos interbancarios y de otros organismos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Fuente: Boletín estadístico de la CNBV diciembre 2025.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Respecto al volumen de activos, HSBC México ocupa el quinto lugar dentro del mercado mexicano, con MXN 902,875 y una participación del 5.80% al 31 de diciembre de 2025. Cabe destacar que aproximadamente el 71.2% del mercado de activos, 77.4% de cartera, 73.1% captación y 71.1% de utilidad neta se encuentran concentrados en los siete bancos más grandes de México.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Evolución del Mercado de Activos</span><span style="font-family:Arial; font-size:7.33pt; font-weight:bold; font-style:italic; vertical-align:super">/ 1</span><span style="font-family:Arial; font-size:12pt; font-weight:normal; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:7.33pt; font-weight:bold; vertical-align:super"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:446.55pt">
<tr style="height:10.45pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; vertical-align:middle; width:210.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Millones de Pesos y Porcentajes</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; vertical-align:middle; width:56.3pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Dic ‘23</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; vertical-align:middle; width:58.4pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Dic ‘24</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; vertical-align:middle; width:65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Dic ‘25</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; vertical-align:middle; width:56.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Dic25 vs. Dic24</span>
</p>
</td>
</tr>
<tr style="height:9.35pt">
<td style="vertical-align:bottom; width:210.15pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">792,986</span>
</p>
</td>
<td style="vertical-align:bottom; width:58.4pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">936,410</span>
</p>
</td>
<td style="vertical-align:bottom; width:65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">902,875</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">(3.6%)</span>
</p>
</td>
</tr>
<tr style="height:9.35pt">
<td style="vertical-align:bottom; width:210.15pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Otros 6 Bancos más Grandes de México</span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">/2</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">9,345,780</span>
</p>
</td>
<td style="vertical-align:bottom; width:58.4pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">9,882,378</span>
</p>
</td>
<td style="vertical-align:bottom; width:65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">10,184,436</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> 3.1%</span>
</p>
</td>
</tr>
<tr style="height:9.35pt">
<td style="vertical-align:bottom; width:210.15pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Resto del Sistema</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,153,298</span>
</p>
</td>
<td style="vertical-align:bottom; width:58.4pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">4,392,857</span>
</p>
</td>
<td style="vertical-align:bottom; width:65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">4,482,165</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2.0%</span>
</p>
</td>
</tr>
<tr style="height:9.9pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:210.15pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> Total Mercado </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:56.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">13,292,064</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:58.4pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">15,211,645</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">15,569,476</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2.4%</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:7.33pt; font-weight:bold; vertical-align:super"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:7.33pt; vertical-align:super">1/</span><span style="font-family:Arial; font-size:11pt"> El boletín de la CNBV fue elaborado a partir de la información disponible a 31 diciembre de 2025, recibida en los Reportes Regulatorios que las entidades supervisadas envían a la Comisión. se presenta la información reportada de las Instituciones de Banca Múltiple consolidada con la de sus SOFOMER.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:7.33pt; vertical-align:super">2/</span><span style="font-family:Arial; font-size:11pt"> BBVA México, Santander, Banorte, Banamex, Scotiabank e Inbursa</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Fuente: Boletín estadístico de la CNBV diciembre 2025.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La captación total de HSBC México fue de MXN578,129 al cierre de diciembre 2025. En este mismo periodo, HSBC México registró una participación de 6.0%, un decremento de 0.9 puntos porcentuales respecto al año anterior.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:normal"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Participación en el Mercado de Captación Total </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:389.85pt">
<tr style="height:13.5pt">
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; vertical-align:bottom; width:212.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">(Porcentajes)</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Dic ‘23</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Dic ‘24</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Dic ‘25</span>
</p>
</td>
</tr>
<tr style="height:7.2pt">
<td style="vertical-align:bottom; width:212.65pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">HSBC</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">6.6%</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">7.0%</span>
</p>
</td>
<td style="vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">6.0%</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="vertical-align:bottom; width:212.65pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Otros 6 Bancos más Grandes de México</span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">/2</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">71.8%</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">66.2%</span>
</p>
</td>
<td style="vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">67.1%</span>
</p>
</td>
</tr>
<tr style="height:13.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:212.65pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Resto del Sistema</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">21.6%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">26.8%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">26.9%</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Fuente: Boletín estadístico de la CNBV diciembre 2025</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:7.33pt; vertical-align:super">2/</span><span style="font-family:Arial; font-size:11pt"> BBVA México, Santander, Banorte, Banamex, Scotiabank e Inbursa</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El 77.4% de la cartera de crédito total se encuentra concentrada en los siete bancos más grandes, teniendo HSBC México el 5.9% de participación en el mercado a diciembre 2025. HSBC México tuvo un incremento en el saldo de su cartera de créditos al consumo, créditos comerciales y de entidades gubernamentales. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Participación en el Mercado de Crédito Total </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:7.33pt; font-weight:bold; vertical-align:super"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:389.85pt">
<tr style="height:11.65pt">
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; vertical-align:bottom; width:212.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">(Porcentajes)</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; vertical-align:bottom; width:49.6pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Dic ‘23</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Dic ‘24</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; vertical-align:bottom; width:70.9pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Dic ‘25</span>
</p>
</td>
</tr>
<tr style="height:11pt">
<td style="vertical-align:bottom; width:212.65pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">HSBC</span>
</p>
</td>
<td style="vertical-align:bottom; width:49.6pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">6.9%</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">6.6%</span>
</p>
</td>
<td style="vertical-align:bottom; width:70.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">5.9%</span>
</p>
</td>
</tr>
<tr style="height:11pt">
<td style="vertical-align:bottom; width:212.65pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Otros 6 Bancos más Grandes de México</span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">/2</span>
</p>
</td>
<td style="vertical-align:bottom; width:49.6pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">73.7%</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">70.8%</span>
</p>
</td>
<td style="vertical-align:bottom; width:70.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">71.5%</span>
</p>
</td>
</tr>
<tr style="height:11.65pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:212.65pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Resto del Sistema</span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">3/</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:49.6pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">19.4%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">22.6%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:70.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">22.6%</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Fuente: Boletín estadístico de la CNBV diciembre 2025</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:7.33pt; vertical-align:super">2/</span><span style="font-family:Arial; font-size:11pt"> BBVA México, Santander, Banorte, Banamex, Scotiabank e Inbursa</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:7.33pt; vertical-align:super">3/</span><span style="font-family:Arial; font-size:11pt"> Cartera total = Cartera de crédito con riesgo de crédito en etapa 1 + 2 + 3 + cartera de crédito valuada a valor razonable.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">De acuerdo con las cifras publicadas por la CNBV, HSBC México registró un ROE de 8.53% en el año 2025 un incremento respecto al año pasado de 0.59% debido principalmente a un mayor resultado neto.</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Rentabilidad del Sistema Bancario (ROE) </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:446.55pt">
<tr style="height:10.6pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:205.55pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Dic '23</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Dic '24</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Dic '25</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Promedio Dic23-Dic25</span>
</p>
</td>
</tr>
<tr style="height:10pt">
<td style="vertical-align:bottom; width:205.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">(Porcentajes)</span>
</p>
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<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1pt; vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
<tr style="height:10pt">
<td style="vertical-align:bottom; width:205.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">HSBC</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">10.5%</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">8.5%</span>
</p>
</td>
<td style="vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">8.5%</span>
</p>
</td>
<td style="vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">9.2%</span>
</p>
</td>
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<td style="vertical-align:bottom; width:205.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Promedio otros 6 Bancos más Grandes de México</span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">/2</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">18.6%</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">18.6%</span>
</p>
</td>
<td style="vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">17.6%</span>
</p>
</td>
<td style="vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">18.3</span><span style="font-family:Arial; font-size:11pt; font-weight:bold">%</span>
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</td>
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<tr style="height:10.6pt">
<td style="vertical-align:bottom; width:205.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Total Mercado</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">18.5%</span>
</p>
</td>
<td style="vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">18.8%</span>
</p>
</td>
<td style="vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">17.2%</span>
</p>
</td>
<td style="vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 18.2%</span>
</p>
</td>
</tr>
<tr style="height:10.6pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:205.55pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; vertical-align:bottom; width:63.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt 0pt 5pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Fuente: Boletín estadístico de la CNBV diciembre 2025</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:7.33pt; vertical-align:super">2/</span><span style="font-family:Arial; font-size:11pt"> BBVA México, Santander, Banorte, Banamex, Scotiabank e Inbursa</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El banco mantiene una sólida posición competitiva en el mercado financiero mexicano con ratios financieros que los ubican dentro de los seis bancos más importantes de México. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México no puede pronunciar alguna ventaja o desventaja cualitativa respecto de sus principales competidores ya que no cuenta con información sobre tecnología, servicio al cliente y reputación, entre otras de sus contrapartes.</span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Grupo Financiero HSBC, S.A. de C.V. (Grupo Financiero HSBC) es una entidad directamente controlada por HSBC </span><span style="font-family:Arial; font-size:11pt">Latin</span><span style="font-family:Arial; font-size:11pt"> America Holdings (UK), </span><span style="font-family:Arial; font-size:11pt">Limited</span><span style="font-family:Arial; font-size:11pt">, la cual ostenta el 99.99% de la tenencia accionaria del Grupo Financiero HSBC, la cual es totalmente controlada por HSBC Holdings </span><span style="font-family:Arial; font-size:11pt">plc</span><span style="font-family:Arial; font-size:11pt">, la cual tiene su sede en Londres, Reino Unido de la Gran Bretaña. </span>
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<span style="font-family:Arial; font-size:11pt">En cuanto a HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC (HSBC México), es una subsidiaria 99.99% propiedad de Grupo Financiero HSBC.</span>
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" 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<span style="font-family:Arial; font-size:11pt">La participación accionaria incluye la directa e indirecta del Grupo Financiero en las subsidiarias.</span>
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<span style="font-family:Arial; font-size:11pt">Las otras subsidiarias de Grupo Financiero HSBC son: </span>
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<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">HSBC Casa de Bolsa, S.A. de C.V., Grupo Financiero HSBC, que actúa como intermediaria financiera en operaciones con valores autorizados; </span>
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<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">HSBC Global </span><span style="font-family:Arial; font-size:11pt">Asset</span><span style="font-family:Arial; font-size:11pt"> Management (México) S.A. de C.V., Sociedad Operadora de Fondos de Inversión, Grupo Financiero HSBC, quien realiza operaciones de prestación de servicios administrativos y de operación a las sociedades de inversión administradas por el Grupo Financiero; </span>
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<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">HSBC Servicios, S.A. de C.V., Grupo Financiero HSBC, quien realiza actividades de servicios de asesoría relacionados con sistemas financieros, incluyendo consultoría y asistencia técnica en procesos administrativos;</span>
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<span style="font-family:Arial; font-size:11pt">HSBC Seguros, S.A. de C.V., Grupo Financiero HSBC, que tiene como objeto principal practicar, en los términos de la Ley de Instituciones de Seguros y Fianzas, el seguro, coaseguro y reaseguro.</span>
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<span style="font-family:Arial; font-size:11pt">Las entidades anteriores se encuentran reguladas por la Comisión Nacional Bancaria y de Valores, salvo HSBC Seguros misma que se encuentra regulada por la Comisión Nacional de Seguros y Fianzas.</span>
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<span style="font-family:Arial; font-size:11pt">HSBC México y las demás subsidiarias de Grupo Financiero HSBC se apoyan mutuamente en sus actividades cotidianas propias aprovechando las ventajas de ser un Grupo Financiero y ofreciendo una propuesta comercial integral al mercado. Lo anterior </span><span style="font-family:Arial; font-size:11pt">de acuerdo con las políticas del Banco y en condiciones acordes a sanas prácticas bancarias y en condiciones de mercado.</span>
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<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC tiene un capital social autorizado representado por 2,165,869,865 acciones suscritas y pagadas, de las cuales 2,015,984,650 acciones están representadas por acciones de la Serie “F” y 149,885,215 acciones de la Serie “B”, ambas series con valor nominal de dos pesos cada una.</span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:Arial; font-size:11pt">HSBC México S.A. al cierre del ejercicio 2025 contaba con 233,671 activos fijos en todo México, entre inmuebles, mobiliario y equipo, por lo que a continuación se incluye la información sobre la antigüedad, características y ubicación de los inmuebles más representativos. </span>
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<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, HSBC México S.A. cuenta con 9 inmuebles propios, ya incluidos en los activos que se mencionan en el párrafo inmediato anterior, algunos de ellos se utilizan para la operación de red de sucursales y oficinas corporativas.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt; font-weight:bold; color:#ffffff">No.</span>
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<p style="margin:0pt; text-align:center">
<a name="RANGE_B1_L10" href="#" ><span style="font-family:Arial; font-size:5pt; font-weight:bold; color:#ffffff">ID </span></a>
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<td style="background-color:#c00000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:24.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt; font-weight:bold; color:#ffffff">Status</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt; font-weight:bold; color:#ffffff">PROPIETARIO</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt; color:#ffffff">NOMBRE</span>
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<td style="background-color:#c00000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:63.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt; font-weight:bold; color:#ffffff">CALLE</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt; font-weight:bold; color:#ffffff">No_EXTERIOR</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt; font-weight:bold; color:#ffffff">No_INTERIOR</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt; font-weight:bold; color:#ffffff">COLONIA</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt; font-weight:bold; color:#ffffff">CP</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt; font-weight:bold; color:#ffffff">LOCALIDAD</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt; font-weight:bold; color:#ffffff">EDO.</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt">1</span>
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<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">MX0931</span>
</p>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">LEGAL PROCESS</span>
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<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:34.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">HSBC MEXICO,S.A</span>
</p>
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<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:56.15pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">PLAYAS MONUMENTAL</span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">PASEO PLAYAS C.C. MONUMENTAL LOTE 1-B</span>
</p>
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<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:35.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">650</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:33.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">0</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:47.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">PLAYAS TIJUANA</span>
</p>
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<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:13.95pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">22000</span>
</p>
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<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">TIJUANA</span>
</p>
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<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:23.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">B.C.N</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt">2</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">MX0958</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:24.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">BRANCH</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:34.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">HSBC MEXICO,S.A</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:56.15pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">MADERO</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">AV. FCO. I. MADERO</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:35.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">S/N</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:33.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">0</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:47.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">CENTRO</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:13.95pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">21310</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">MEXICALI</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:23.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">B.C.N</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt">3</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">MX0502</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:24.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">OFFICE</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:34.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">HSBC MEXICO,S.A</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:56.15pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">OFICINA TOLUCA 1 y 2</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">IGNACIO LONGARES LOTE 5 Y 6 MZ 2</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:35.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">103 Y 105</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:33.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">0</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:47.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">PARQUE INDUSTRIAL EXPORTEC</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:13.95pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">50071</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">TOLUCA</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:23.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">MEX.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt">4</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">MX0502</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:24.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">OFFICE</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:34.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">HSBC MEXICO,S.A</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:56.15pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">CENTRO DE COMPUTO (TOLUCA 1)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">IGNACIO LONGARES LOTE 4 MZ 2</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:35.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">106</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:33.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">0</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:47.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">PARQUE INDUSTRIAL EXPORTEC</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:13.95pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">50071</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">TOLUCA</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:23.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">MEX.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt">5</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">MX0502</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:24.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">OFFICE</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:34.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">HSBC MEXICO,S.A</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:56.15pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">COMEDOR Y ENSOBRETADO (TOLUCA 3)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">IGNACIO LONGARES LOTE 7 MZ 2</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:35.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">101</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:33.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">0</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:47.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">PARQUE INDUSTRIAL EXPORTEC</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:13.95pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">50071</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">TOLUCA</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:23.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">MEX.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt">6</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">MX0427</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:24.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">OFFICE</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:34.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">HSBC MEXICO,S.A</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:56.15pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">ROMERO DE TERREROS (BUNKER)</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">M.A. DE QUEVEDO</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:35.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">401</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:33.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">0</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:47.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">ROMERO DE TERREROS</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:13.95pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">4310</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">COYOACAN</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:23.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">D.F.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt">7</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">MX0636</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:24.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">PARKING</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:34.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">HSBC MEXICO,S.A</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:56.15pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">E EX-OFICINA CENTRAL</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">AV. COLON</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:35.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">373</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:33.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">0</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:47.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">JUAREZ</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:13.95pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">0</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">GUADALAJARA</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:23.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">JAL.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt">8</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">MX0637</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:24.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">FOR SALE</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:34.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">HSBC MEXICO,S.A</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:56.15pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">GUAMUCHIL(interestatal )</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">JESUS RODRIGUEZ PTE.</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:35.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">205</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:33.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">0</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:47.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">BENITO JUAREZ</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:13.95pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">0</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">GUAMUCHIL</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:23.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">SIN.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:5pt">9</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">MX1407</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:24.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">LEGAL PROCESS</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:34.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">HSBC MEXICO,S.A</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:56.15pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">MAPIMI</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">AV. 16 DE SEPTIEMBRE</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:35.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">201</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:33.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">E</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:47.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">INDEPENDENCIA</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:13.95pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">0</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">CEBALLOS</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:23.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:5pt">DGO.</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Asimismo, al 31 de diciembre de 2025 a través de sus diferentes subsidiarias, HSBC México S.A es propietaria de 11 inmuebles, localizados en varias entidades federativas de la República Mexicana, también incluidos en los activos que se mencionan en el primer párrafo del presente apartado.</span>
</p>
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:549.5pt">
<tr>
<td style="background-color:#c00000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:middle; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt; font-weight:bold; color:#ffffff">No.</span>
</p>
</td>
<td style="background-color:#c00000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:18.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt; font-weight:bold; color:#ffffff">ID </span>
</p>
</td>
<td style="background-color:#c00000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:40.85pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt; font-weight:bold; color:#ffffff">Status</span>
</p>
</td>
<td style="background-color:#c00000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:73.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt; font-weight:bold; color:#ffffff">PROPIETARIO</span>
</p>
</td>
<td style="background-color:#c00000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:43.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt; color:#ffffff">NOMBRE</span>
</p>
</td>
<td style="background-color:#c00000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:63.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt; font-weight:bold; color:#ffffff">CALLE</span>
</p>
</td>
<td style="background-color:#c00000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:31.55pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt; font-weight:bold; color:#ffffff">No_EXTERIOR</span>
</p>
</td>
<td style="background-color:#c00000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:42.55pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt; font-weight:bold; color:#ffffff">No_INTERIOR</span>
</p>
</td>
<td style="background-color:#c00000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:37.55pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt; font-weight:bold; color:#ffffff">COLONIA</span>
</p>
</td>
<td style="background-color:#c00000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:13.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt; font-weight:bold; color:#ffffff">CP</span>
</p>
</td>
<td style="background-color:#c00000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:32.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt; font-weight:bold; color:#ffffff">LOCALIDAD</span>
</p>
</td>
<td style="background-color:#c00000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:middle; width:13.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt; font-weight:bold; color:#ffffff">EDO.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:bottom; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt">1</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MX0009</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:40.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">FOR SALE</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:73.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">INMOBILIARIA BISA, S.A DE C.V.</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:43.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">TECAMACHALCO</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">FUENTE DE PIRAMIDE</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:31.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">1</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:42.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">A2, PATIOS 1, 2, 12 CAJONES</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:37.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">TECAMACHALCO</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">53950</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:32.25pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">NAUCALPAN</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MEX.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:bottom; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt">2</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MX1352</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:40.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">BRANCH</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:73.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">INMOBILIARIA BISA, S.A DE C.V.</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:43.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">PLAZA ZARAGOZA</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">Calzada Ignacio Zaragoza Isla B, </span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:31.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">. 1450</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:42.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">Subancla</span><span style="font-family:Arial; font-size:4.5pt"> 2 </span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:37.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">Juan </span><span style="font-family:Arial; font-size:4.5pt">EScutia</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">9100</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:32.25pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">IZTAPALAPA</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">D.F.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:bottom; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt">3</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MX0921</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:40.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">FOR SALE</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:73.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">INMOBILIARIA GRUFIN, S.A DE C.V.</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:43.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">GUAMUCHIL</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">AV. BENITO JUAREZ SUR</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:31.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">250</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:42.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">0</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:37.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">CENTRO</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">81460</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:32.25pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">GUAMUCHIL</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">SIN.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:bottom; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt">4</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MX0828</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:40.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">BRANCH</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:73.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">INMOBILIARIA GRUFIN, S.A DE C.V.</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:43.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MINATITLAN</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">HIDALGO</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:31.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">125</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:42.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">0</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:37.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">CENTRO</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">96700</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:32.25pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MINATITLAN</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">VER.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:bottom; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt">5</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MX1120</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:40.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">BRANCH</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:73.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">INMOBILIARIA BISA, S.A DE C.V.</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:43.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MINIMAC</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">CALLE DE THE</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:31.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">799</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:42.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">1 Y 2</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:37.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">GABRIEL RAMOS MILLAN</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">8730</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:32.25pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">IZTACALCO</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">D.F.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:bottom; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt">6</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MX1112</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:40.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">BRANCH</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:73.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">INMOBILIARIA BISA, S.A DE C.V.</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:43.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">LOS PINOS</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">AV. REVOLUCION</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:31.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">433</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:42.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">0</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:37.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">SN PEDRO DE LOS PINOS</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">3800</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:32.25pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">BENITO JUAREZ</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">D.F.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:bottom; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt">7</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MX1071</span>
</p>
</td>
<td style="border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:40.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">BRANCH</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:73.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">INMOBILIARIA BISA, S.A DE C.V.</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:43.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">ARTESANOS</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">PASEO DE LA REFORMA ESQ. ARTESANOS 19</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:31.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">249</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:42.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">0</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:37.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">GUERRERO</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">6300</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:32.25pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">CUAUHTEMOC</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">D.F.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:bottom; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt">8</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MX1410</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:40.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">LEGAL PROCESS</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:73.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">INMOBILIARIA GUATUSI, S.A DE C.V.</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:43.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">FRACCIONAMIENTO MAYORAZGO</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">AV. 57 PONIENTE</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:31.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">919, 921</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:42.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">CASA 8</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:37.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MAYORAZGO</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">0</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:32.25pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">PUEBLA</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">PUE.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:bottom; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt">9</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MX1406</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:40.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">LEGAL PROCESS</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:73.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">INMOBILIARIA GUATUSI, S.A DE C.V.</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:43.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">LA CERILLERA</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">KM 130 DEL FERROCARRIL MEXICO BALSAS LT.17-20</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:31.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">0</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:42.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">CASAS 22,25,26,28,30,31,33</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:37.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">LOMAS DE TLAHUAPANA</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">0</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:32.25pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">JIUTEPEC</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MOR.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:bottom; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt">10</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MX1250</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:40.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">FOR SALE</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:73.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">INMOBILIARIA BISA, S.A DE C.V.</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:43.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">OFICINAS PLAZA CUERNAVACA (LA REDONDA)</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">VICENTE GUERRERO</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:31.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">110</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:42.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">LOCAL 9</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:37.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">LOMAS DE LA SELVA</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">62270</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:32.25pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">CUERNAVACA</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:13.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MOR.</span>
</p>
</td>
</tr>
<tr>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:bottom; width:8.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:4.5pt">11</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:18.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">MX0103</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:40.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">OFFICE/BRANCH</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:73.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">INMOBILIARIA GUATUSI, S.A DE C.V.</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:43.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">OFICINA CENTRAL MATRIZ (TORRE HSBC)</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:63.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">PASEO DE LA REFORMA</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; padding-left:5.4pt; padding-right:5.03pt; vertical-align:bottom; width:31.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">347</span>
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<span style="font-family:Arial; font-size:4.5pt">0</span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">CUAUHTEMOC</span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">06500</span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:4.5pt">CUAUHTEMOC</span>
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<span style="font-family:Arial; font-size:4.5pt">D.F.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">HSBC México no tiene ningún inmueble dado en garantía para la obtención de algún crédito.</span>
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<span style="font-family:Arial; font-size:11pt">Uno de los principales activos fijos pertenecientes a HSBC México S.A. a través de su subsidiaria Inmobiliaria </span><span style="font-family:Arial; font-size:11pt">Guatusi</span><span style="font-family:Arial; font-size:11pt"> S.A., es el edificio donde se encuentran instaladas sus principales oficinas en la Ciudad de México es el siguiente:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">El edificio ubicado en Paseo de la Reforma número 347, Colonia Cuauhtémoc, Alcaldía Cuauhtémoc, en la Ciudad de México, es actualmente la sede principal de las oficinas del Emisor en México. El inmueble está construido sobre una superficie de terreno de 4,873.75 metros cuadrados y cuenta con una construcción de 78,388.52 metros cuadrados.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Torre HSBC </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Desde 2006 HSBC México S.A. tiene una sede que se ubica en Paseo de la Reforma número 347, colonia Cuauhtémoc, Alcaldía Cuauhtémoc en la Ciudad de México. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">El edificio tiene 130 metros de altura y abarca más de 4 mil metros cuadrados, además de contar con características diseñadas para hacer de éste uno de los más seguros en México. En el mismo, trabajan aproximadamente más de 3,000 empleados de HSBC México. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">En apego a las políticas de responsabilidad social del Banco, el edificio fue diseñado tomando en cuenta el impacto ambiental, por lo que el uso de agua se mantiene al mínimo y es reciclada donde es posible, el manejo de materiales contaminantes también está restringido y se reduce el consumo de energía maximizando el empleo de la luz natural, entre otras medidas. Esta sede de HSBC México es uno de las de mayor avance en materia ambiental en México, y cuenta con Certificación Leed Oro, emitida en el mes de noviembre 2007, por el US Green </span><span style="font-family:Arial; font-size:11pt">Building</span><span style="font-family:Arial; font-size:11pt"> Council.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Esta sede es propiedad de Inmobiliaria </span><span style="font-family:Arial; font-size:11pt">Guatusi</span><span style="font-family:Arial; font-size:11pt">, S.A. de C.V., una subsidiaria de HSBC México. HSBC México S.A. utiliza dicho inmueble como sede de sus oficinas en la ciudad de México bajo un contrato de arrendamiento firmado con fecha 1º de febrero de 2011, con Inmobiliaria </span><span style="font-family:Arial; font-size:11pt">Guatusi</span><span style="font-family:Arial; font-size:11pt">, S.A. de C.V.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Este inmueble se encuentra asegurado por la inmobiliaria por las cantidades y por la cobertura de riesgos que normalmente se contratan para inmuebles de la misma naturaleza.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">VENTA DE INMUEBLES </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En el año 2023 se llevó a cabo la venta de 1 (uno) activo el cual es el siguiente:</span>
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<span style="font-family:Arial; font-size:11pt">Activo de HSBC México S.A identificado como Bodega Piedra Bola, ubicada en Javier mina Lote 9 </span><span style="font-family:Arial; font-size:11pt">mza</span><span style="font-family:Arial; font-size:11pt">. 55 zona II Colonia pedregal de la villa en Hermosillo Sonora.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Todos los Inmuebles enlistados expresamente en esta sección se encuentran asegurados. No existen planes relevantes de construcción o ampliación a la fecha del presente reporte anual.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">En el año 2024 se llevó a cabo la venta de 1 (uno) activo el cual es el siguiente:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Activo de HSBC México S.A identificado como 16 de septiembre </span><span style="font-family:Arial; font-size:11pt">Desp</span><span style="font-family:Arial; font-size:11pt">. 200,201 y 202, ubicado en Av. 16 de septiembre No. 730, Col. Mexicaltzingo en Guadalajara Jal. C.P 44180.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Año 2025, no se ejecutó ninguna venta de inmuebles.</span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Todos los Inmuebles enlistados expresamente en esta sección se encuentran asegurados. No existen planes relevantes de construcción o ampliación a la fecha del presente reporte anual.</span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Mexican</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Government</span><span style="font-family:Arial; font-size:11pt"> Bonds</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">I. </span><span style="font-family:Arial; font-size:11pt; text-decoration:underline">Origen del Litigio</span><span style="font-family:Arial; font-size:11pt">. El presente litigio tuvo su origen en marzo y mayo de 2018, cuando se interpusieron demandas colectivas (</span><span style="font-family:Arial; font-size:11pt">class</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">actions</span><span style="font-family:Arial; font-size:11pt">) en Estados Unidos en contra de diversas instituciones financieras, incluyendo entidades del grupo HSBC. Los demandantes alegan que, entre 2006 y 2017, los demandados conspiraron para manipular el mercado de Bonos Gubernamentales Mexicanos mediante colusión en subastas, inflación artificial de precios y fijación de diferenciales de compra-venta (</span><span style="font-family:Arial; font-size:11pt">bid-ask</span><span style="font-family:Arial; font-size:11pt"> spreads), lo cual habría resultado en cobros excesivos a los clientes.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">El caso inicialmente avanzó con dos resoluciones favorables de sobreseimiento para los demandados, incluyendo HSBC. Sin embargo, en febrero de 2024, el tribunal de apelación revocó el sobreseimiento por cuestiones de competencia jurisdiccional, concluyendo que el tribunal estadounidense podía ejercer jurisdicción sobre los demandados con sede en México. En consecuencia, el asunto fue remitido al tribunal de primera instancia, donde los demandantes modificaron nuevamente su demanda, acortando, entre otras cosas, el período de la clase de 2010 a 2014. En enero de 2025, el tribunal negó la nueva solicitud de sobreseimiento por insuficiencia de la demanda, permitiendo que el litigio continuara.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Ante la pérdida del recurso de apelación y la decisión del tribunal de permitir que el caso prosiga, la estrategia recomendada es buscar un acuerdo conciliatorio. Esta recomendación se fundamenta en dos factores principales: primero, el riesgo inherente de una sentencia adversa; y segundo, los costos legales sustanciales que se generarían si el litigio continúa hasta el juicio y posibles apelaciones.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">II. </span><span style="font-family:Arial; font-size:11pt; text-decoration:underline">Convenio de Distribución de Condena (JSA)</span><span style="font-family:Arial; font-size:11pt">. Con el fin de administrar y distribuir la exposición potencial, los demandados han celebrado un Convenio de Distribución de Condena ("</span><span style="font-family:Arial; font-size:11pt; font-weight:bold">JSA</span><span style="font-family:Arial; font-size:11pt">", por sus siglas en inglés). </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">III. </span><span style="font-family:Arial; font-size:11pt; text-decoration:underline">Estado Actual y Negociaciones</span><span style="font-family:Arial; font-size:11pt">. Las partes han iniciado la etapa probatoria (</span><span style="font-family:Arial; font-size:11pt">discovery</span><span style="font-family:Arial; font-size:11pt">), y el siguiente paso procesal será la certificación de la clase. Las pláticas de mediación se encuentran en curso.</span><span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">IV. </span><span style="font-family:Arial; font-size:11pt; text-decoration:underline">Autorización Corporativa e Impacto Financiero</span><span style="font-family:Arial; font-size:11pt">. </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El enfoque recomendado es continuar buscando un acuerdo conciliatorio, ya que esta estrategia administra de manera efectiva tanto los riesgos legales como financieros asociados con este litigio y se mantiene dentro del presupuesto autorizado.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Sobre la base de los hechos conocidos actualmente, no es posible en este momento que HSBC prediga la resolución de este asunto, incluido el momento o cualquier posible impacto en HSBC, que podría ser significativo.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Hechas las aclaraciones mencionadas, actualmente no existe ni se prevé en el futuro cercano, ningún otro proceso judicial, administrativo o arbitral relevante, distinto a aquellos que forman parte del curso normal del negocio, en los cuales se encuentre o pueda encontrarse involucrado HSBC México ni sus subsidiarias o sus accionistas, consejeros y principales funcionarios, que pudieran tener un impacto significativo sobre los resultados de operación y la posición financiera de HSBC México que pudiera representar un costo superior al 10% de los activos del Banco.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Asimismo, HSBC México no se encuentra en ninguno de los supuestos de los artículos 9 y 10 de la Ley de Concursos Mercantiles, ni tampoco se ha declarado ni pretende declararse en concurso mercantil.</span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Estructura del capital social</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023 el capital social de HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC” son: </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">HSBC México, S.A., Institución de Banca Múltiple, Grupo Financiero HSBC que está integrado por 2,165,869,865 acciones suscritas y pagadas, de las cuales 2,015,984,650 acciones están representadas por acciones de la Serie “F” y 149,885,215 acciones de la Serie “B”, ambas series con valor nominal de dos pesos cada una.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Movimientos 2025</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La utilidad neta del ejercicio 2024 fue de MNX6,858 y el 30 de abril de 2025, la Asamblea General Ordinaria acordó registrar la utilidad individual por MXN6,172 en la cuenta de Resultados de Ejercicios Anteriores e incrementar la reserva legal por MXN686.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Con base en la autorización de la Asamblea General Ordinaria de Accionistas, el 20 de noviembre de 2025 el Banco decretó un dividendo a razón de $1.2983236183490600 por acción, para cada una de las 2,165,869,865 acciones en circulación. El pago de dicho dividendo se realizó durante el mes de noviembre de 2025, en una sola exhibición, a través de la S.D. Indeval Institución para el Depósito de Valores, S.A. de C.V.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Movimientos 2024 </span>
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<span style="font-family:Arial; font-size:12pt; font-weight:bold; font-style:italic"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La utilidad neta del ejercicio 2023 fue de MXN7,945 y el 30 de abril de 2024, la Asamblea General Ordinaria acordó registrar la utilidad individual por MXN7,151 en la cuenta de Resultados de Ejercicios Anteriores.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Con base en la autorización de la Asamblea General Ordinaria de Accionistas, el 20 de junio de 2024 el Banco decretó un dividendo a razón de $0.6016058587158010 por acción, para cada una de las 2,165,869,865 acciones en circulación. </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Adicionalmente, con base en la autorización de la Asamblea General Ordinaria de Accionistas, el 20 de diciembre de 2024 el Banco decretó un dividendo a razón de $0.8587773577984570 por acción para cada una de las 2,165,869,865 acciones en circulación.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Movimientos 2023</span>
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<span style="font-family:Arial; font-size:12pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La utilidad neta del ejercicio 2022 fue de MXN9,996 y el 28 de abril de 2023, La Asamblea General</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Ordinaria acordó registrar la utilidad individual por $8,996 en la cuenta de Resultados de Ejercicios Anteriores.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Con base en la autorización de la Asamblea General Ordinaria de Accionistas, el 20 de septiembre de 2023 el Banco decretó un dividendo a razón de $0.5540499082570690 por acción, para cada una de las 2,165,869,865 acciones en circulación. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Adicionalmente, con base en la autorización de la Asamblea General Ordinaria de Accionistas, el 20 de diciembre de 2023 el Banco decretó un dividendo a razón de $0.9234165137617810 por acción para cada una de las 2,165,869,865 acciones en circulación.</span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
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<p style='font-family:Arial;font-size: 8pt'><html>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 27pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Política de Dividendos</span>
</p>
<p style="margin:0pt 0pt 0pt 27pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México no tiene una política fija respecto al pago de dividendos. La decisión o no de decretar dividendos es determinada por la Asamblea de Accionistas y/o el Consejo de Administración, con base en las necesidades de reinversión de recursos y el mantenimiento de niveles de capitalización.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="width:36pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt; font-style:italic">Dividendos Pagados</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La frecuencia con que el Banco ha pagado dividendos en los últimos 3 ejercicios, así como el importe del dividendo decretado por acción es la que se indica a continuación: </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Basado en la autorización de la Asamblea General Ordinaria de Accionistas, el 20 de noviembre de 2025 el Banco decretó un dividendo a razón de $1.2983236183490600 por acción, para cada una de las 2,165,869,865 acciones en circulación</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Basado en la autorización de la Asamblea General Ordinaria de Accionistas, el 20 de noviembre de 2024 el Banco decretó un dividendo a razón de $0.8587773577984570 por acción, para cada una de las 2,165,869,865 acciones en circulación.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Basado en la autorización de la Asamblea General Ordinaria de Accionistas, el 20 de junio de 2024 el Banco decretó un dividendo a razón de $ 0.6016058587158010 por acción, para cada una de las 2,165,869,865 acciones en circulación.</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Basado en la autorización de la Asamblea General Ordinaria de Accionistas, el 20 de diciembre de 2023 el Banco decretó un dividendo a razón de $ 0.9234165137617810 por acción, para cada una de las 2,165’829,865 acciones en circulación</span>
</p>
<p style="margin:0pt 0pt 0pt 28.35pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Basado en la autorización de la Asamblea General Ordinaria de Accionistas, el 20 de septiembre de 2023 el Banco decretó un dividendo a razón de $0.5540499082570690 por acción, para cada una de las 2,165´869,865 acciones en circulación.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 3pt; page-break-after:avoid">
<a name="_Toc227787780" href="#" ><span style="font-family:Arial; font-size:12pt; font-weight:bold">Controles cambiarios y otras limitaciones que afecten a los tenedores de los títulos</span></a>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">En México no existen políticas o limitaciones para el libre flujo de capital.</span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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82455
93687
90760
42256
46707
49204
10210
10311
10075
7998
6866
7319
0
0
0
0
0
0
0
0
0
871519
791494
934825
0
0
0
0
0
0
0
0
0
0
0
0
86173
77449
80822
0
0
0
<p style='font-family:Arial;font-size: 8pt'><html>
<head>
<meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1" />
<meta http-equiv="Content-Style-Type" content="text/css" />
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<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los estados financieros consolidados adjuntos al 31 de diciembre de 2025, 2024 y 2023 y por los años terminados en esas fechas, están preparados de conformidad con los criterios de contabilidad para las instituciones de crédito en México (Criterios Contables), establecidos por la Comisión, los cuales observan los lineamientos contables de las Normas de Información Financiera (NIF) mexicanas, emitidas por el Consejo Mexicano de Normas de Información Financiera (CINIF), excepto cuando a juicio de la Comisión sea necesario aplicar una normatividad o criterio contable específico. Los Criterios Contables antes mencionados están contenidos en las “Disposiciones de Carácter General aplicables a las instituciones de crédito” (Circular Única de Bancos).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 12pt">
<span style="font-family:Arial; font-size:11pt">Los Criterios Contables señalan que a falta de criterio contable específico de la Comisión para las instituciones de crédito, o en un contexto más amplio de las NIF, se aplicarán las bases de supletoriedad previstas en la NIF A-1 y solo en caso de que las Normas Internacionales de Información Financiera (IFRS por sus siglas en inglés) a que se refiere la NIF A-1, no den solución al reconocimiento contable, se podrá optar por aplicar una norma supletoria que pertenezca a cualquier otro esquema normativo, siempre que cumpla con todos los requisitos señalados en la mencionada NIF, debiéndose aplicar la supletoriedad en el siguiente orden: los principios de contabilidad generalmente aceptados en los Estados Unidos (US GAAP) y cualquier norma de </span><span style="font-family:Arial; font-size:11pt">contabilidad que forme parte de un conjunto de normas formal y reconocido.</span>
</p>
<p style="margin:0pt 0pt 12pt">
<span style="font-family:Arial; font-size:11pt">Los estados financieros consolidados del Banco reconocen los activos y pasivos provenientes de operaciones de compra-venta de divisas, inversiones en instrumentos financieros, reportos, préstamos de valores e instrumentos financieros derivados en la </span><span style="font-family:Arial; font-size:11pt">fecha en que la operación es concertada, independientemente de su fecha de liquidación.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los estados financieros consolidados que se acompañan incluyen los del Banco y los de sus subsidiarias, incluyendo la Entidad con Propósito Específico (EPE) susceptible de consolidación conforme a los Criterios Contables. Los saldos y transacciones importantes entre el Banco, subsidiarias y EPE, se han eliminado en la consolidación. La consolidación se efectuó con base en los estados financieros de las subsidiarias al 31 de diciembre de 2025, 2024 y 2023 por los años terminados en esas fechas. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los estados financieros consolidados que se acompañan, incluyen el reconocimiento de los efectos de la inflación en la información financiera hasta el 31 de diciembre de 2007, fecha en que conforme a la NIF B-10, “Efectos de la inflación”, se cambió a un entorno económico no inflacionario (inflación acumulada en los últimos tres ejercicios anuales menor al 26%) utilizando para tal efecto un factor de actualización derivado del valor de la Unidad de Inversión (UDI), que es una unidad de cuenta cuyo valor es determinado por el Banco de México en función de la inflación. El porcentaje de inflación anual, la acumulada en los tres últimos ejercicios y los índices utilizados para determinar la inflación, se muestran a continuación:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:334.35pt">
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
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<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:46.6pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td colspan="4" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:175.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Inflación</span>
</p>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">31 de diciembre de</span>
</p>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:50.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">UDI</span>
</p>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:46.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Anual</span>
</p>
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<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:63.65pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt"> Acumulada</span>
</p>
</td>
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<tr style="height:14.35pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:109.7pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2025</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:46.6pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:50.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">8.6654</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:11.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:46.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">3.89%</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:63.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">12.77%</span>
</p>
</td>
</tr>
<tr style="height:14.35pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:109.7pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2024</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:46.6pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:50.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">8.3409</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:11.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:46.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">4.50%</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:63.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">16.46%</span>
</p>
</td>
</tr>
<tr style="height:14.35pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:109.7pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2023</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:46.6pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:50.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">7.9816</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:11.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:46.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">4.38%</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:63.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">19.56%</span>
</p>
</td>
</tr>
<tr style="height:0pt">
<td style="width:110.45pt; border:none">
</td>
<td style="width:47.35pt; border:none">
</td>
<td style="width:51.4pt; border:none">
</td>
<td style="width:12.5pt; border:none">
</td>
<td style="width:47.5pt; border:none">
</td>
<td style="width:64.4pt; border:none">
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="width:36pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt"> *Fuente Banco de México</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La preparación de los estados financieros consolidados requiere que la Administración efectúe estimaciones y suposiciones que afectan los importes registrados de activos y pasivos y la revelación de activos y pasivos contingentes a la fecha de los estados financieros consolidados, así como los importes registrados de ingresos y gastos durante el ejercicio. Los rubros importantes sujetos a estas estimaciones y suposiciones incluyen el valor en libros de la depreciación, juicios y litigios, inversiones en instrumentos financieros, operaciones con valores e instrumentos financieros derivados (IFD), estimación preventiva para riesgos crediticios, obligaciones laborales al retiro, impuestos a la utilidad diferidos y la provisión de los gastos del programa de lealtad ofrecido a los clientes de cartera de crédito de la Institución. Los resultados reales pueden diferir de estas estimaciones y suposiciones.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Promulgación de la regulación de subcontratación laboral</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Mediante la publicación en el DOF de fecha 23 de abril de 2021, se reformó, adicionó y derogaron diversas disposiciones de la Ley Federal del Trabajo, Ley del Seguro Social, Ley del Instituto del Fondo Nacional de la Vivienda para los Trabajadores, Código Fiscal de la Federación, Ley del Impuesto sobre la Renta y Ley del Impuesto al Valor Agregado, en materia de subcontratación laboral.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Particularmente, esta publicación modificó el cálculo de la participación de los trabajadores en las utilidades de la empresa (PTU) establecido en la Ley Federal del Trabajo, indicando que el pago de este concepto será realizado considerando el </span><span style="font-family:Arial; font-size:11pt">resultado más favorable entre un tope máximo de tres meses del salario del trabajador, o el promedio de PTU recibida por el mismo en los últimos tres años.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Lo anterior, si bien no representa un cambio en algún criterio contable particular aplicable a las Instituciones de Crédito, si tuvo una repercusión en la determinación del activo o pasivo por PTU diferida de conformidad con lo establecido en la NIF D-3 Beneficio a los Empleados.</span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
</div>
</body>
</html> </ p >
<p style='font-family:Arial;font-size: 8pt'><html>
<head>
<meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1" />
<meta http-equiv="Content-Style-Type" content="text/css" />
<meta name="generator" content="Aspose.Words for .NET 15.3.0.0" />
<title>
</title>
</head>
<body>
<div>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt; text-align:justify; widows:0; orphans:0">
<span style="font-family:Arial; font-size:11pt">A partir del 1 de enero de 2022, HSBC México implementó los cambios en las normas de información financiera, criterios de contabilidad y metodologías de estimación de reservas preventivas lo que permitirá contar con información financiera transparente y comparable con otros países, con excepción del método de interés efectivo que se adoptó a partir del 1 de enero de 2023 para lo cual se notificó previamente a la CNBV. </span>
</p>
<p style="margin:0pt; text-align:justify; widows:0; orphans:0">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify; widows:0; orphans:0">
<span style="font-family:Arial; font-size:11pt">Otras consideraciones:</span>
</p>
<p style="margin:0pt; text-align:justify; widows:0; orphans:0">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify; widows:0; orphans:0">
<span style="font-family:Arial; font-size:11pt">A partir de 2022, HSBC clasifica los siguientes créditos como créditos con Riesgo de Crédito en Etapa 3: </span>
</p>
<p style="margin:0pt; text-align:justify; widows:0; orphans:0">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ol type="i" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 23pt; text-indent:0pt; text-align:justify; padding-left:13pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Créditos con días de atraso mayores o iguales a 90 días; o </span>
</li>
<li style="margin:0pt 0pt 0pt 23pt; text-indent:0pt; text-align:justify; padding-left:13pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Créditos con improbabilidad de pago a pesar de no tener 90 días de atraso.</span>
</li>
</ol>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">La información presentada a continuación fue extraída de los estados financieros consolidados auditados.</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:474.9pt">
<tr style="height:15pt">
<td colspan="5" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:467.9pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">HSBC México, S.A. </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td colspan="5" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:467.9pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Millones de pesos</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Estados de Situación Financiera Consolidados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2025</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2023</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">ACTIVO</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">EFECTIVO Y EQUIVALENTES DE EFECTIVO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">73,857 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">68,727</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">66,814</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CUENTAS DE MARGEN </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">448 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">96</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">112</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">INVERSIONES EN INSTRUMENTOS FINANCIEROS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">219,688 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">188,527</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">130,293</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Instrumentos Financieros Negociables</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">75,951 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">56,964</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">46,465</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Instrumentos Financieros para Cobrar o Vender</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">91,408 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">84,588</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">58,557</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Instrumentos Financieros para Cobrar Principal e Interés </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">52,329 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">46,975</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">25,271</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">DEUDORES POR REPORTO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">46,352 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">86,024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">46,044</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PRÉSTAMO DE VALORES</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">INSTRUMENTOS FINANCIEROS DERIVADOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">19,035 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">26,850</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">28,588</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Con Fines de Negociación</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">19,022 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">26,850</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">28,568</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Con Fines de Cobertura</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">13 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">20</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">AJUSTES DE VALUACIÓN POR COBERTURA DE ACTIVOS FINANCIEROS</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CARTERA DE CRÉDITO CON RIESGO DE CRÉDITO ETAPA 1 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">455,178 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">491,681</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">450,527</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos Comerciales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">226,135 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">243,241</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">213,316</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Actividad Empresarial o Comercial</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">206,983 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">212,008</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">180,201</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Entidades Financieras</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,039 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">13,889</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">9,087</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Entidades Gubernamentales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">15,113 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">17,344</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">24,028</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos de Consumo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">87,146 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">101,160</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">96,581</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos a la Vivienda</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">141,897 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">147,280</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">140,630</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Media y Residencial</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">141,088 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">146,331</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">139,569</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> De Interés Social</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Créditos Adquiridos al INFONAVIT o el FOVISSSTE</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">809 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">949</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,061</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CARTERA DE CRÉDITO CON RIESGO DE CRÉDITO ETAPA 2 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,153 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,632</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5,537</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos Comerciales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,147 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,526</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">626</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Actividad Empresarial o Comercial</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,147 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,944</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">626</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Entidades Financieras</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">582</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Entidades Gubernamentales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos de Consumo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,712 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,968</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,799</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos a la Vivienda</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,294 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,138</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,112</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Media y Residencial</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,274 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,106</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,081</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> De Interés Social</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Créditos Adquiridos al INFONAVIT o el FOVISSSTE</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">20 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">32</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">31</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CARTERA DE CRÉDITO CON RIESGO DE CRÉDITO ETAPA 3 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">14,578 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">11,733</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">12,709</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos Comerciales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,951 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,763</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,449</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Actividad Empresarial o Comercial</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,276 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,763</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,449</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Entidades Financieras</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">675 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Entidades Gubernamentales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos de Consumo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,148 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,167</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,885</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Créditos a la Vivienda</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,479 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,803</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,375</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Media y Residencial</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,313 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,701</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,300</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> De Interés Social</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Créditos Adquiridos al INFONAVIT o el FOVISSSTE</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">166 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">102</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">75</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CARTERA DE CRÉDITO VALUADA A VALOR RAZONABLE</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,712 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CARTERA DE CRÉDITO</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">478,621 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">511,046</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">468,773</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PARTIDAS DIFERIDAS</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ESTIMACIÓN PREVENTIVA PARA RIESGOS CREDITICIOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> (18,131)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(18,312)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(17,758)</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CARTERA DE CRÉDITO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">460,490 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">492,734</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">451,015</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Derechos de Cobro Adquiridos </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">TOTAL DE CARTERA DE CRÉDITO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">460,490 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">492,734</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">451,015</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ACTIVOS VIRTUALES</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">BENEFICIOS POR RECIBIR EN OPERACIONES DE BURSATILIZACIÓN</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">10</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">OTRAS CUENTAS POR COBRAR </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">21,743 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">39,381</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">36,197</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">BIENES ADJUDICADOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">321 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">276</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">351</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:24pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ACTIVOS DE LARGA DURACIÓN MANTENIDOS PARA LA VENTA O PARA DISTRIBUIR A LOS PROPIETARIOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">98 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">10</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">10</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PAGOS ANTICIPADOS Y OTROS ACTIVOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5,640 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,061</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,140</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PROPIEDADES, MOBILIARIO Y EQUIPO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,456 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,612</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,756</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ACTIVOS POR DERECHOS DE USO DE PROPIEDADES, MOBILIARIO Y EQUIPO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,641 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,252</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,317</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">INVERSIONES PERMANENTES </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">377 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,502</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,475</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ACTIVO POR IMPUESTOS A LA UTILIDAD DIFERIDOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,963 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,357</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,797</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ACTIVOS INTANGIBLES </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,410 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,416</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,575</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ACTIVOS POR DERECHOS DE USO DE ACTIVOS INTANGIBLES </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CRÉDITO MERCANTIL</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">TOTAL DE ACTIVO</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">871,519 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">934,825</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">791,494</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:0pt">
<td style="width:290.6pt; border:none">
</td>
<td style="width:60pt; border:none">
</td>
<td style="width:60pt; border:none">
</td>
<td style="width:60pt; border:none">
</td>
<td style="width:4.3pt; border:none">
</td>
</tr>
</table>
<p style="margin:0pt">
<br style="page-break-before:always; clear:both" />
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:470.6pt">
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:5pt 0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Estados de Situación Financiera Consolidados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2025</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2023 </span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">PASIVO</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CAPTACIÓN TRADICIONAL </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">566,050 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">618,654</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">523,914</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Depósitos de Exigibilidad Inmediata</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">384,519 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">406,705</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">350,357</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Depósitos a Plazo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">159,895 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">190,220</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">163,048</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Del Público en General</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">150,589 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">167,704</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">148,871</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Mercado de Dinero</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">9,306 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">22,516</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">14,177</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Títulos de Crédito Emitidos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">18,826 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">19,259</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">8,574</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Cuenta Global de Captación sin Movimientos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,810 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,470</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,935</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PRÉSTAMOS INTERBANCARIOS Y DE OTROS ORGANISMOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">10,368 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">10,301</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">15,450</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">De Exigibilidad Inmediata</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,300 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,007</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">De Corto Plazo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,364 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5,881</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5,141</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">De Largo Plazo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,704 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,420</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,302</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">ACREEDORES POR REPORTO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">69,939 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">32,918</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">28,307</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PRÉSTAMO DE VALORES</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">COLATERALES VENDIDOS O DADOS EN GARANTÍA </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">27,052 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">69,984</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">41,959</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Reportos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">24,232 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">62,059</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">32,809</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Préstamo de Valores </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,820 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,925</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">9,150</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Instrumentos Financieros Derivados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros Colaterales Vendidos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">INSTRUMENTOS FINANCIEROS DERIVADOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">19,424 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">31,300</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">29,588</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Con Fines de Negociación</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">19,421 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">31,284</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">29,579</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Con Fines de Cobertura</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">16</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">9</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">AJUSTES DE VALUACIÓN POR COBERTURA DE PASIVOS FINANCIEROS</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">OBLIGACIONES EN OPERACIONES DE BURSATILIZACIÓN</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PASIVO POR ARRENDAMIENTO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,747 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,310</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,324</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">OTRAS CUENTAS POR PAGAR </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">38,201 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">37,859</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">38,929</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Acreedores por Liquidación de Operaciones</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">17,436 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">18,173</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">11,497</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Acreedores por Cuentas de Margen</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Acreedores por Colaterales Recibidos en Efectivo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,093 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,750</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,959</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Contribuciones por Pagar</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">933 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,225</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,265</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Acreedores Diversos y Otras Cuentas por Pagar</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">17,739 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">15,711</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">22,208</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PASIVOS RELACIONADOS CON GRUPOS DE ACTIVOS MANTENIDOS PARA LA VENTA</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">INSTRUMENTOS FINANCIEROS QUE CALIFICAN COMO PASIVO </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">41,443 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">40,153</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">25,401</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Obligaciones Subordinadas en Circulación</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">41,443 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">40,153</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">25,401</span>
</p>
</td>
</tr>
<tr style="height:24pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Aportaciones para Futuros Aumentos de Capital Pendientes de Formalizar por su Órgano de Gobierno</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:24pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">OBLIGACIONES ASOCIADAS CON EL RETIRO DE COMPONENTES DE Propiedades, Mobiliario y Equipo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
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</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,508 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,244</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">45</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">PASIVO POR BENEFICIOS A LOS EMPLEADOS </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,592 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,039</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5,219</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CRÉDITOS DIFERIDOS Y COBROS ANTICIPADOS</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,022 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,240</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,909</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">T O T A L P A S I V O </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">785,346 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">854,003</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">714,045</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
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</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
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<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
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<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
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<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
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</p>
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<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
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<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
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<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
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<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2023 </span>
</p>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
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<span style="font-family:Arial; font-size:9pt"> </span>
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<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
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</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CAPITAL CONTRIBUIDO</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">38,318 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">38,318</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">38,318</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Capital Social</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,132 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,132</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,132</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Aportaciones para Futuros Aumentos de Capital Formalizadas </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">por su Órgano de Gobierno</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Prima en Venta de Acciones</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">32,186 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">32,186</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">32,186</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Instrumentos Financieros que Califican como Capital</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">CAPITAL GANADO</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">47,855 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">42,504</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">39,131</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Reservas de Capital</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">15,990 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">15,305</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">14,510</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Resultado Acumulados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">34,524 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">30,715</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">28,125</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Resultado de Ejercicios Anteriores </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">27,205 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">23,849</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">20,127</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Resultado Neto</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,319 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,866</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,998</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros Resultados Integrales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> (2,659)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(3,516)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(3,504)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Valuación de Instrumentos Financieros para Cobrar o Vender</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,081 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(471)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(754)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Valuación de Instrumentos Financieros Derivados de</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Cobertura de Flujos de Efectivo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt">(97)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(204)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(199)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Ingresos y Gastos Relacionados con Activos Mantenidos para su Disposición</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Remediciones por Beneficios Definidos a los Empleados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt">(3,643)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(2,841)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(2,551)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Efecto Acumulado por Conversión</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Resultados por Tenencia de Activos no Monetarios</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Participación en ORI de Otras Entidades</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">TOTAL PARTICIPACIÓN CONTROLADORA</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">86,173 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">80,822</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">77,449</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">TOTAL PARTICIPACIÓN NO CONTROLADORA</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">TOTAL CAPITAL CONTABLE</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">86,173 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">80,822</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">77,449</span>
</p>
</td>
</tr>
<tr style="height:2.55pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
</tr>
<tr style="height:2.55pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">TOTAL PASIVO Y CAPITAL CONTABLE</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">871,519 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">934,825</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">791,494</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="background-color:#ffffff; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt">
<span style="-aw-bookmark-end:_Hlk228446575"></span><span style="font-family:Arial; font-size:9pt"> </span>
</p>
<p style="margin:0pt">
<br style="page-break-before:always; clear:both" />
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:470.6pt">
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Estados de Situación Financiera Consolidados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2025</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2023 </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt; font-weight:bold"> </span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">CUENTAS DE ORDEN</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2,588,310</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2,672,149</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">3,381,459</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Avales Otorgados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Activos y Pasivos Contingentes</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Compromisos Crediticios </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">437,423</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">439,226</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">342,013</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Bienes en Fideicomiso o Mandato </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">312,979</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">205,548</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">200,803</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Fideicomisos </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">312,097</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">204,733</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">199,934</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Mandatos </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">882</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">815</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">869</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Bienes en Custodia o en Administración </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">480,624</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">401,821</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">345,276</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Colaterales Recibidos por la Entidad </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">51,421</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">95,831</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">55,524</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Colaterales Recibidos y Vendidos o Entregados en Garantía por la Entidad </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">28,010</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">75,586</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">49,337</span>
</p>
</td>
</tr>
<tr style="height:24pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Intereses Devengados no Cobrados Derivados de Cartera de Crédito con Riesgo de Crédito Etapa 3 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">707</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">547</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">726</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:283.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Otras Cuentas de Registro </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,277,146</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,453,590</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,387,780</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:474.9pt">
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">HSBC México, S.A. </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Millones de pesos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Estados de Resultados Integrales Consolidados</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> 31 DIC 2023</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Ingresos por Intereses</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">90,760 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">93,687</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">82,455</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Gastos por Intereses</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(41,556)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(46,980)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(40,199)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Resultado por Posición Monetaria Neto</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">MARGEN FINANCIERO</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">49,204 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">46,707</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">42,256</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Estimación Preventiva para Riesgos Crediticios</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(14,132)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(14,697)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(12,925)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">MARGEN FINANCIERO AJUSTADO POR RIESGOS CREDITICIOS</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">35,072 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">32,010</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">29,331</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Comisiones y Tarifas Cobradas</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">13,882 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">13,465</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">12,137</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Comisiones y Tarifas Pagadas </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(3,557)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(3,403)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(3,066)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Resultado por Intermediación</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,486 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,358</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,643</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros Ingresos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">235 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(808)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(389)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Gastos de Administración y Promoción</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(37,043)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(34,311)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(30,446)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">RESULTADO DE LA OPERACIÓN</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">10,075 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">10,311</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">10,210</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Participación en el Resultado Neto de Otras Entidades</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">256 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">268</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">249</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">RESULTADO ANTES DE IMPUESTOS A LA UTILIDAD</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">10,331 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">10,579</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">10,459</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Impuestos a la Utilidad</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> (3,012)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(3,713)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(2,461)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">RESULTADO DE OPERACIONES CONTINUAS</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">7,319 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">6,866</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">7,998</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Operaciones Discontinuadas</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">RESULTADO NETO</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">7,319 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">6,866</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">7,998</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros Resultados Integrales</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Valuación de Instrumentos Financieros para Cobrar o Vender</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,552 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">283</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">561</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Valuación de Instrumentos Financieros Derivados de Cobertura de</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Flujos de Efectivo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">107 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(5)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">922</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Ingresos y Gastos Relacionados con Activos Mantenidos para Su Disposición</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Remediciones por Beneficios Definidos a los Empleados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> (802)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(290)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(416)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Efecto Acumulado por Conversión</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Resultados por Tenencia de Activos No Monetarios</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Participación en ORI de Otras Entidades</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">RESULTADO INTEGRAL</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">8,176 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">6,854</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">9,065</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">RESULTADO NETO ATRIBUIBLE A:</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">7,319 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">6,866</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">7,998</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Participación Controladora</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,319 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,866</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,998</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Participación No Controladora</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">RESULTADO INTEGRAL ATRIBUIBLE A:</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">8,176 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">6,854</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">9,065</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Participación Controladora</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,854</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">9,065</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Participación No Controladora</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">UTILIDAD BÁSICA POR ACCIÓN ORDINARIA</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">1.69</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">1.59</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">1.85</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">En relación con factores o acontecimientos inciertos que puedan hacer que la información presentada no sea indicativa del desempeño futuro de la emisora, se tiene en cuenta que para toda Institución Financiera la preparación de los estados financieros requiere que la Administración efectúe estimaciones y suposiciones que afectan los importes registros, los cuales se enuncian en la sección </span><span style="font-family:Arial; font-size:11pt; font-style:italic">“Estimaciones, Provisiones o Reservas Contables críticas”</span><span style="font-family:Arial; font-size:11pt">; así como factores de riesgo de la Emisora que también se mencionan en este documento.</span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
</div>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023, HSBC México otorga a sus clientes servicios financieros integrados, entre los que destacan, banca de consumo y patrimonial, banca empresas e Instituciones; y banca global y de mercados. </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Estado de resultados y de flujos de efectivo consolidados por segmentos</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El estado de resultados consolidado por segmentos incluye Banca de Consumo y Patrimonial (IWPB), Banca Empresas e </span><span style="font-family:Arial; font-size:11pt">Instiruciones</span><span style="font-family:Arial; font-size:11pt"> (CIB), la Tesorería (</span><span style="font-family:Arial; font-size:11pt">Corporate</span><span style="font-family:Arial; font-size:11pt"> Center), y </span><span style="font-family:Arial; font-size:11pt">Market</span><span style="font-family:Arial; font-size:11pt"> y </span><span style="font-family:Arial; font-size:11pt">Securities</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Services</span><span style="font-family:Arial; font-size:11pt"> (MSS) aplicable en 2025, 2024 y 2023. A continuación, se menciona una breve descripción de los principales segmentos de negocio con los que opera HSBC México.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Banca de Consumo y Patrimonial (International </span><span style="font-family:Arial; font-size:11pt">Wealth</span><span style="font-family:Arial; font-size:11pt"> and Premier </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt">) – Segmento de negocio dirigido principalmente a personas físicas que comprende en su mayoría los productos de consumo, entre los que destacan tarjetas de crédito, préstamos personales y para auto, así como créditos hipotecarios y captación tradicional. Adicionalmente también se atiende a un grupo de personas físicas con actividad empresarial, cuyos principales productos son las líneas de crédito para capital de trabajo; así como a un grupo específica de pequeñas empresas, con productos de préstamos a plazo y servicios financieros relativos a cuentas de cheques y administración de efectivo. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Banca Empresas e Instituciones (</span><span style="font-family:Arial; font-size:11pt">Corporate</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Institutional</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt">) antes </span><span style="font-family:Arial; font-size:11pt">Commercial</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt"> – Segmento de Negocio dirigido a las Personas Morales, tanto Locales como Multinacionales y Clientes Institucionales, con necesidades de productos financieros en Pesos Mexicanos y otras Divisas como líneas de crédito para capital de trabajo, préstamos a plazo, financiamiento para exportaciones, productos para el manejo de la Tesorería de los clientes como Cuentas de Cheques, Pagos, Tarjetas Corporativas y manejo de Liquidez; además de soluciones en Mercados Globales en un modelo operativo que incorpora desde una atención Local y Domestica con necesidades financieras primarias hasta soluciones que involucran presencia global en otros mercados.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Servicios de Mercados y Valores (MSS - </span><span style="font-family:Arial; font-size:11pt">Market</span><span style="font-family:Arial; font-size:11pt"> y </span><span style="font-family:Arial; font-size:11pt">Securities</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Services</span><span style="font-family:Arial; font-size:11pt">) – Segmento de negocio especializado en mercados financieros y de custodia de valores, que cuenta con diversidad de productos del mercado de dinero y mercado de capitales, incluyendo instrumentos de liquidez, de divisas, de deuda gubernamental y corporativa, derivados y estructurados, así como también intermediación en el mercado de valores. Está dirigido a brindar soluciones principalmente a clientes gubernamentales, bancos centrales, corporaciones locales e internacionales, inversionistas institucionales y en general a los participantes del mercado financiero.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Corporate</span><span style="font-family:Arial; font-size:11pt"> Center (OTH) - Incluye los servicios de soluciones tecnológicas prestados a otras entidades.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Como resultado de la reorganización de la Banca Global y de Mercados (</span><span style="font-family:Arial; font-size:11pt">GByM</span><span style="font-family:Arial; font-size:11pt">) anunciada en 2021 y tomando en consideración los cambios en las normas de información financiera, se realizó un análisis de la información por segmentos concluyendo que a partir del primer trimestre del 2022 se reportará como dos segmentos como sigue: Banca Global (GB) y Servicios de Mercados y Valores (MSS).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A partir de enero de 2023, HSBC México fusionó su negocio de Banca de Empresas y la Banca Global en un solo modelo de negocios bajo la Banca de Empresas. Esta consolidación tiene como objetivo seguir cubriendo las necesidades financieras de estos clientes de una manera más eficiente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A partir de enero de 2025, HSBC México fusionó su negocio de Banca de Empresas y los Servicios de Mercados y Valores (MSS) en un solo modelo de negocios bajo la Banca Empresas e Instituciones (CIB). Esta consolidación tiene como objetivo seguir cubriendo las necesidades financieras de estos clientes de una manera más eficiente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A continuación, se presentan los activos y pasivos identificables a los distintos segmentos al 31 de diciembre de 2025, 2024 y 2023.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:360pt">
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">TOTAL</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">IWPB</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CIB</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">MSS</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">OTH</span>
</p>
</td>
</tr>
<tr style="height:14.25pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Activos *</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">460,490</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">239,602</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">220,888</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
</tr>
<tr style="height:14.25pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Pasivos **</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">566,050</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">300,848</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">260,167</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,035</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-indent:-35.45pt; text-align:justify; padding-left:35.45pt">
<span style="font-family:Arial; font-size:11pt">*</span><span style="width:31.17pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Activos: los rubros identificados son cartera de crédito y estimación preventiva para riesgos crediticios.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">**</span><span style="width:27.44pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Pasivos: los principales rubros identificados son captación tradicional.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:345.6pt">
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:50.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">TOTAL</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:52.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">WPB</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:50.85pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CMB</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:47.35pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">MSS</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:46.4pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">OTH</span>
</p>
</td>
</tr>
<tr style="height:14.25pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Activos *</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:50.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">492,734</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:52.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">259,649</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:50.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">233,085</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:47.35pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:46.4pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
</tr>
<tr style="height:14.25pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:56pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Pasivos **</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:50.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">618,654</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:52.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">317,886</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:50.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">297,027</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:47.35pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,741</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:46.4pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-indent:-35.45pt; text-align:justify; padding-left:35.45pt">
<span style="font-family:Arial; font-size:11pt">*</span><span style="width:31.17pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Activos: los rubros identificados son cartera de crédito y estimación preventiva para riesgos crediticios.</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">**</span><span style="width:27.44pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Pasivos: los principales rubros identificados son captación tradicional.</span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:360pt">
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:5pt 0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">TOTAL</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">WPB</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CMB</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">MSS</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">OTH</span>
</p>
</td>
</tr>
<tr style="height:14.25pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Activos *</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">451,014</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">249,044</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">201,970</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
</tr>
<tr style="height:14.25pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Pasivos **</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">523,914</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">301,598</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">222,316</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-indent:-35.45pt; text-align:justify; padding-left:35.45pt">
<span style="font-family:Arial; font-size:11pt">*</span><span style="width:31.17pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Activos: los rubros identificados son cartera de crédito y estimación preventiva para riesgos crediticios.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">**</span><span style="width:27.44pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Pasivos: los principales rubros identificados son captación tradicional.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:14pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Conforme lo establecen las Disposiciones de Carácter General se presenta el estado de flujos de efectivo por segmentos al cierre de diciembre de 2025, 2024 y 2023.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:488.05pt">
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Banco Consolidado 2025</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">TOTAL</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">IWPB</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CIB</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:44.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">MSS</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.9pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">OTH</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado antes de impuesto a la utilidad</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">10,331 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 2,851 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 5,869 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:44.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 2,926 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> (1,315)</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Flujos netos de efectivo de actividades de operación</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">12,626 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(22,462)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(29,912)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:44.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 62,036 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 2,964 </span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Flujos netos de efectivo de actividades de inversión</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(3,128)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> (1,419)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> (140)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:44.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> (12)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> (1,557)</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Flujos netos de efectivo de actividades de financiamiento</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(4,367)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> - </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> - </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:44.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> - </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> (4,367)</span>
</p>
</td>
</tr>
<tr style="height:29.25pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Incremento o Disminución Neta de Efectivo</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 5,131 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(23,881)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(30,052)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:44.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 62,024 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:41.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> (2,960)</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Efectos por cambios en el valor del efectivo y equivalentes de efectivo</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> - </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> - </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> - </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:44.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> - </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:41.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> - </span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Efectivo y Equivalentes de Efectivo al Inicio del periodo </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">68,726 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 75,953 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 83,313 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:44.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(63,765)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:41.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(26,775)</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Efectivo y Equivalentes de Efectivo al Final del Periodo</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">73,857 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 52,072 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 53,261 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:44.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> (1,741)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:41.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(29,735)</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:487pt">
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Banco Consolidado 2024</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">TOTAL</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">WPB</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CMB</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">MSS</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">OTH</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado antes de impuesto a la utilidad</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">10,579</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,690</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">8,361</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">263</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(735)</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Flujos netos de efectivo de actividades de operación</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(1,339)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(4,062)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">45,395</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(47,943)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,271</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Flujos netos de efectivo de actividades de inversión</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(3,394)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(2,047)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">640</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(308)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(1,679)</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Flujos netos de efectivo de actividades de financiamiento</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">6,646</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,483</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,864</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,804</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(4,505)</span>
</p>
</td>
</tr>
<tr style="height:29.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Incremento o Disminución Neta de Efectivo</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,913</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(626)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">49,899</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(46,447)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(913)</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Efectos por cambios en el valor del efectivo y equivalentes de efectivo</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Efectivo y Equivalentes de Efectivo al Inicio del periodo </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">66,814</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">90,233</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,892</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(1,928)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(25,383)</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Efectivo y Equivalentes de Efectivo al Final del Periodo</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">68,727</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">89,607</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">53,791</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(48,375)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:42.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(26,296)</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:497.85pt">
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:241pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Banco Consolidado 2023</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">TOTAL</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">WPB</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CMB</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:40.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">MSS</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">OTH</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:241pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado antes de impuesto a la utilidad</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">10,459</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,425</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">7,634</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:40.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">154</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(754)</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:241pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Flujos netos de efectivo de actividades de operación</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">7,947</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(32,020)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(62,162)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:40.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">20,066</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">82,063</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:241pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Flujos netos de efectivo de actividades de inversión</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">(5,794)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(1,849)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(1,388)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:40.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(22)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(2,535)</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:241pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Flujos netos de efectivo de actividades de financiamiento</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">1,335 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,697</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,904</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:40.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">141</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(5,407)</span>
</p>
</td>
</tr>
<tr style="height:29.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:241pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Incremento o Disminución Neta de Efectivo</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">3,488 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(30,172)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(60,646)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:40.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">20,185</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">74,121</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:241pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Efectos por cambios en el valor del efectivo y </span><span style="font-family:Arial; font-size:11pt">equivalentes de efectivo</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">-</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:40.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:241pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Efectivo y Equivalentes de Efectivo al Inicio del periodo </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">63,326 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(121,527)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">43,338</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:40.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(1,121)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(100,318)</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:241pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Efectivo y Equivalentes de Efectivo al Final del Periodo</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:36.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">66,814 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">91,355</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(17,308)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:40.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">18,964</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(26,197)</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A continuación, se presentan los estados de resultados integrales consolidados por segmentos por 2025, 2024 y 2023.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:455.8pt">
<tr style="height:15.75pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Banco Consolidado 2025</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">IWPB</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:top; width:43.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CIB</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:top; width:32pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">MSS</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">OTH</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">TOTAL</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Margen Financiero</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">32,131</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">13,466</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,239</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,368</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">49,204</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Estimación preventiva para riesgos crediticios</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(12,020)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(2,112)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(14,132)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Margen Financiero ajustado</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">20,111</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">11,354</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,239</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,368</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">35,072</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Comisiones y tarifas, neto</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">8,286</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,067</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(14)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(14)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">10,325</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado por Intermediación</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">740</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(111)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,012</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(155)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,486</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Otros ingresos (egresos) de la operación</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(264)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(912)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">32</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,379</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">235</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Ingresos totales de la operación </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">28,873</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">12,398</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,269</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,578</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">47,118</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Gastos de administración y promoción </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(27,240)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(6,259)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(1,062)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(2,482)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(37,043)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado de operación </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,633</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">6,139</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,207</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,096</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">10,075</span>
</p>
</td>
</tr>
<tr style="height:29.25pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Participación en el resultado de subsidiarias y asociadas</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">241</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">15</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">256</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultados antes de impuestos</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,874</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">6,154</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,207</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,096</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">10,331</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Impuestos</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(547)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(2,499)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">352</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(318)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(3,012)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado antes de operaciones discontinuadas</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,327</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,655</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,559</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">778</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">7,319</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Operaciones Discontinuadas</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado neto</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,327</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,655</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,559</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">778</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">7,319</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Participación no controladora</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
</tr>
<tr style="height:29.25pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:188.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado neto incluyendo participación de la controladora</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:45.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,327</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:43.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,655</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:32pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,559</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:37.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">778</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; padding-left:3.12pt; padding-right:3.12pt; vertical-align:middle; width:66.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">7,319</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:477.5pt">
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Banco Consolidado 2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">WPB</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CMB</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">MSS</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">OTH</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">TOTAL</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Margen Financiero</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">32,522</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">13,554</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">381</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">250</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">46,707</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Estimación preventiva para riesgos crediticios</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(13,706)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(991)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(14,697)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Margen Financiero ajustado</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">18,816</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">12,563</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">381</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">250</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">32,010</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Comisiones y tarifas, neto</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">8,263</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,801</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(7)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">10,062</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado por Intermediación</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,555</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,411</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">952</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(560)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,358</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Otros ingresos (egresos) de la operación</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(752)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(1,146)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">33</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,057</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(808)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Ingresos totales de la operación </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">27,882</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">14,629</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,371</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">740</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">44,622</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Gastos de administración y promoción </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(25,441)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(6,287)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(1,108)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(1,475)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(34,311)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado de operación </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,441</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">8,342</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">263</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(735)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">10,311</span>
</p>
</td>
</tr>
<tr style="height:29.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Participación en el resultado de subsidiarias y asociadas</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">249</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">19</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">268</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultados antes de impuestos</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,690</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">8,361</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">263</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(735)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">10,579</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Impuestos</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(933)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(2,899)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(91)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">210</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(3,713)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado antes de operaciones discontinuadas</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,757</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,462</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">172</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(525)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">6,866</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Operaciones Discontinuadas</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado neto</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,757</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,462</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">172</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(525)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">6,866</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Participación no controladora</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
</tr>
<tr style="height:29.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado neto incluyendo participación de la controladora</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,757</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,462</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">172</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(525)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">6,866</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:477.5pt">
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Banco Consolidado 2023</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">WPB</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">CMB</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">MSS</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">OTH</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">TOTAL</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Margen Financiero</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">30,894</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">11,194</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">932</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(764)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">42,256</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Estimación preventiva para riesgos crediticios</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(12,866)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(59)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(12,925)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Margen Financiero ajustado</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">18,028</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">11,135</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">932</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(764)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">29,331</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Comisiones y tarifas, neto</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">7,417</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,764</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(105)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(5)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">9,071</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado por Intermediación</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,172</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,062</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">285</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">124</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,643</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Otros ingresos (egresos) de la operación</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(604)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(949)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">18</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,146</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(389)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Ingresos totales de la operación </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">26,013</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">13,012</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,130</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">501</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">40,656</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Gastos de administración y promoción </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(22,849)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(5,367)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(975)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(1,255)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(30,446)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado de operación </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,164</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">7,645</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">155</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(754)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">10,210</span>
</p>
</td>
</tr>
<tr style="height:29.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Participación en el resultado de subsidiarias y asociadas</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">261</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(11)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(1)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">249</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultados antes de impuestos</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,425</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">7,634</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">154</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(754)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">10,459</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Impuestos</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(796)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(1,776)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(36)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">147</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(2,461)</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado antes de operaciones discontinuadas</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,629</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,858</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">118</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(607)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">7,998</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Operaciones Discontinuadas</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado neto</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,629</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,859</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">118</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(607)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">7,998</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Participación no controladora</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">- </span>
</p>
</td>
</tr>
<tr style="height:29.25pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:227pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Resultado neto incluyendo participación de la controladora</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:47pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,629</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:41.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,859</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:34.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">118</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:38pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(607)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:46.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">7,998</span>
</p>
</td>
</tr>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Información Financiera por Línea por Área geográfica. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025 HSBC México no determina los saldos de sus gastos e ingresos por estado o área geográfica de la república ya que no es una segregación determinante para su planeación estratégica, por lo tanto, al no ser trascendental para la toma de decisiones consideramos que esto no debe mostrarse en el presente Reporte Anual.</span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025 HSBC mantiene un saldo de préstamos interbancarios y de otros organismos (pasivo) de MXN 10,368 en los que tanto el capital como los intereses de dichos préstamos se han ido pagando conforme los contratos de crédito lo señalan, sin que en ninguna ocasión haya ocurrido lo contrario. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025 no existen créditos que superen el 10% del pasivo total.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Cabe mencionar que las autoridades fiscales tienen derecho a revisar las declaraciones de impuestos presentadas por el Banco. De dichas revisiones, pudieran derivarse eventuales reclamaciones por cuestiones de interpretación, las cuales, en su caso, podrían ser impugnables, que deriven en algún crédito que pudiera llegar a ser significativo para la entidad.</span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Este análisis de la administración sobre los resultados de operación y situación financiera de la Emisora debe ser leído en conjunto con los estados financieros dictaminados de la Emisora al 31 de diciembre de 2025, 2024 y 2023 por los años terminados en esas fechas, incluyendo sus respectivas notas explicativas, y la información incluida en la sección “Información Financiera Seleccionada”.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Ciertas cifras incluidas en este Reporte Anual y en los estados financieros de la Emisora han sido redondeadas para efectos de conveniencia en su presentación. Las cifras porcentuales en este Reporte Anual no han sido, en todos los casos, calculadas sobre la base de dichas cifras redondeadas, sino sobre la base de dichas cantidades antes de su redondeo. Por esta razón, las cifras porcentuales en este Reporte Anual pueden variar de aquellas obtenidas al realizar los mismos cálculos utilizando las cifras en los estados financieros. Ciertas cifras mostradas como totales en algunas tablas pudieran no ser una suma aritmética de las cifras que le precedieron debido al redondeo.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Esta sección contiene afirmaciones relativas a eventos futuros o anticipados, los cuales están sujetos a varios riesgos. Los resultados reales pudieran diferir de los resultados discutidos en esta sección en el contexto de eventos futuros por diversas razones, incluyendo aquellos factores indicados en la sección “Factores de Riesgo”.</span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt">
<br style="page-break-before:always; clear:both" />
</p>
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<p style='font-family:Arial;font-size: 8pt'><html>
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<meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1" />
<meta http-equiv="Content-Style-Type" content="text/css" />
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2025-2024</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las cifras más relevantes de los resultados de la operación:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La utilidad neta por los doce meses al 31 de diciembre de 2025 fue de MXN7,319, un incremento de MXN453 o 6.2% comparado con MXN 6,866 del mismo periodo en 2024; se debe a:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">1) Incremento de</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">ingresos netos por intereses al 31 de diciembre 2025. El aumento se debe </span><span style="font-family:Arial; font-size:11pt">principalmente </span><span style="font-family:Arial; font-size:11pt">por la reducción del costo de fondeo, impulsado por nuestro reenfoque estratégico y una liquidez optimizada.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2) Disminución en la tasa efectiva del impuesto a la utilidad al 31 de diciembre 2025, la disminución en la tasa se debe principalmente a la revaluación de impuesto diferido activo.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">3) Parcialmente compensados por un aumento en los gastos de administración y promoción al 31 de diciembre de 2025, el incremento se atribuye a una inversión mejorada en Tecnologías de Información y costos de personal, alineándose con nuestra estrategia de negocio, junto con reservas de contingencia.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El margen financiero por los doce meses transcurridos al 31 de diciembre de 2025 fue de MXN49,204, un aumento de MXN2,497 o 5.3% en comparación con MXN46,707 para el mismo período en 2024. El incremento se explica principalmente por la reducción del costo de fondeo, impulsado por nuestro reenfoque estratégico y una liquidez optimizada.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La estimación preventiva para riesgos crediticios por los doce meses transcurridos al 31 de diciembre de 2025 fue de MXN14,132, una disminución de MXN565 o 3.8% en comparación con MXN14,697 para el mismo período en 2024. La disminución se debe principalmente a la reducción del volumen de cartera y al mejor desempeño producto de la estrategia Shift </span><span style="font-family:Arial; font-size:11pt">To</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Affluent</span><span style="font-family:Arial; font-size:11pt">.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El ingreso neto por comisiones por los doce meses transcurridos al 31 de diciembre de 2025 fue de MXN10,325, un aumento de MXN263 o 2.6% en comparación con MXN10,062 para el mismo período en 2024, impulsado principalmente por el aumento de la actividad banca comercial</span><span style="font-family:Arial; font-size:11pt">, tarjeta de crédito y fondos de inversión.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El resultado por intermediación por los doce meses transcurridos al 31 de diciembre de 2025 fue de MXN1,486, una disminución de MXN1,872 o 55.7% en comparación con MXN3,358 para el mismo período en 2024, impulsado principalmente a una menor actividad en operaciones de divisas, menores ingresos por derivados, una reducción en los spreads de mercado en comparación con el año pasado y mayores provisiones de valoración en 2025.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los otros ingresos / egresos de la operación por los doce meses transcurridos al 31 de diciembre de 2025 fueron un ingreso de MXN235, un incremento de MXN1,043 o más del 100% en comparación con la pérdida de MXN808 para el mismo período en 2024,</span><span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:11pt">explicado principalmente por la venta de la participación en negocio adquirente y a las pérdidas en venta de cartera ocurridas el año pasado.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los gastos de administración y de promoción por los doce meses transcurridos al 31 de diciembre de 2025 fueron de MXN37,043, un aumento de MXN2,732 o 8.0%, en comparación con MXN34,311 </span><span style="font-family:Arial; font-size:11pt">se atribuye a</span><span style="font-family:Arial; font-size:11pt"> una mayor inversión en TI y costos de personal, alineándose con nuestra estrategia de negocio, junto con reservas de contingencia.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La razón costo-ingreso fue del 60.5% por los doce meses transcurridos al 31 de diciembre de 2025 en comparación con el 57.8% para el mismo período en 2024, considerando los gastos de personal, costos de </span><span style="font-family:Arial; font-size:11pt">tecnologías de información </span><span style="font-family:Arial; font-size:11pt">y mercadotecnia.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La tasa efectiva de impuestos fue del 29.8% por los doce meses transcurridos al 31 de diciembre de 2025, en comparación con el 36.0% reportado para el mismo período en 2024. la disminución en la tasa se debe principalmente a la revaluación de impuesto diferido activo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2024-2023</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las cifras más relevantes de los resultados de la operación:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La utilidad neta por los doce meses al 31 de diciembre de 2024 fue de MXN6,866, un decremento de MXN1,132 o 14.2% comparado con MXN7,998 del mismo periodo en 2023; se debe a:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">1) aumento de las estimaciones preventivas para riesgos crediticios al 31 de diciembre 2024. El aumento se debe principalmente al crecimiento del portafolio </span><span style="font-family:Arial; font-size:11pt">retail</span><span style="font-family:Arial; font-size:11pt"> así como la disminución de liberación de reservas de la cartera comercial durante el ejercicio 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2) aumento en gastos al 31 de diciembre 2024 principalmente personal, costos relacionados con tecnologías de información y costo fiscal relacionado.</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">3) Parcialmente compensados por un aumento en margen financiero, el incremento se explica principalmente por el crecimiento de la cartera de crédito minorista y mayorista.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El margen financiero por los doce meses transcurridos al 31 de diciembre de 2024 fue de MXN46,707, un aumento de MXN4,451 o 10.5% en comparación con MXN42,256 para el mismo período en 2023. El incremento se explica principalmente por el crecimiento de la cartera de crédito minorista y mayorista.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La estimación preventiva para riesgos crediticios por los doce meses transcurridos al 31 de diciembre de 2024 fue de MXN14,697, un aumento de MXN1,772 o 13.7% en comparación con MXN12,925 para el mismo período en 2023. El aumento se debe principalmente al crecimiento del portafolio </span><span style="font-family:Arial; font-size:11pt">retail</span><span style="font-family:Arial; font-size:11pt"> así como la disminución de liberación de reservas de la cartera comercial durante el ejercicio 2023. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El ingreso neto por comisiones por los doce meses transcurridos al 31 de diciembre de 2024 fue de MXN10,062, un aumento de MXN991 o 10.9% en comparación con MXN9,071 para el mismo período en 2023, impulsado principalmente por el aumento de la actividad banca comercial</span><span style="font-family:Arial; font-size:11pt">, tarjeta de crédito y fondos de inversión.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El resultado por intermediación por los doce meses transcurridos al 31 de diciembre de 2024 fue de MXN3,358, un incremento de MXN715 o 27.1% en comparación con MXN2,643 para el mismo período en 2023, impulsado principalmente por instrumentos de tasa fija en la entidad de banco, al igual que por una disminución en los precios de los bonos gubernamentales, los cuales afectan la valuación del portafolio de la cartera comercial.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los otros ingresos / egresos de la operación por los doce meses transcurridos al 31 de diciembre de 2024 fueron una pérdida de MXN808, un incremento de MXN419 o más del 100% en comparación con la pérdida de MXN389 para el mismo período en 2023,</span><span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:11pt">explicado principalmente por un aumento en las contribuciones del IPAB, parcialmente compensados por recuperaciones de crédito.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los gastos de administración y de promoción por los doce meses transcurridos al 31 de diciembre de 2024 fueron de MXN34,311, un aumento de MXN3,865 o 12.7%, en comparación con MXN30,446 debido principalmente por mayores gastos de personal, costos relacionados con tecnologías de información y costo fiscal relacionado.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La razón costo-ingreso fue del 57.8% por los doce meses transcurridos al 31 de diciembre de 2024 en comparación con el 56.8% para el mismo período en 2023, considerando los gastos de personal, costos de </span><span style="font-family:Arial; font-size:11pt">tecnologías de información</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">y mercadotecnia.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">La tasa efectiva de impuestos fue del 36.0% por los doce meses transcurridos al 31 de diciembre de 2024, en comparación con el 24.1% reportado para el mismo período en 2023. La variación se debe principalmente a las reevaluaciones de la suficiencia fiscal y a las reservas devengadas en materia tributaria.</span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
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<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las principales fuentes de financiamiento del Banco a diciembre de 2025 se componen de la siguiente forma:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Depósitos de disponibilidad inmediata </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Depósitos a plazo </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Operaciones de Mercado de Dinero</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Títulos de crédito emitidos </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Préstamos interbancarios y de otros Organismos</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Acreedores por reporto </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Obligaciones subordinadas en circulación</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<br style="page-break-before:always; clear:both" /><span style="font-family:Arial; font-size:11pt">El balance general de HSBC ha mantenido su liquidez. El efectivo más las inversiones en instrumentos financieros al 31 de diciembre de 2025 representa el 33.7% del total de sus activos. Al 31 de diciembre de 2024 representó el 27.5% del total de los activos y al 31 de diciembre de 2023 el 24.9% del total de los activos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El total de activos al 31 de diciembre de 2025 es MXN871,519 siendo una disminución de MXN63,306 en comparación con lo reportado en 2024. Al 31 de diciembre de 2024 fue MXN934,825 siendo un incremento de MXN143,331 en comparación con lo reportado en 2023. El total de activos al 31 de diciembre de 2023 fue MXN791,494.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El portafolio de préstamos se encuentra adecuadamente diversificado a través de los segmentos, las mayores exposiciones de HSBC México son a instituciones financieras con una alta calidad de contraparte y a instituciones gubernamentales.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco tiene al cierre de diciembre 2025, una línea de crédito disponible con NAFIN por MXN 5,000. Respecto a la deuda colocada actualmente, la tasa, instrumentos financieros, periodicidad de pago y forma de amortización está presentada al inicio del Reporte Anual.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre 2025 ninguna de las siguientes situaciones ha ocurrido:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">- Incumplimiento en el pago de principal o intereses. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">- Pago cruzado y aceleración cruzada con cualquier otra deuda de la emisora. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">- Incumplimiento a las obligaciones de hacer o no hacer.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">- Declaración o solicitud de quiebra, liquidación o concurso mercantil. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">- Entrega de información significativa falsa o incorrecta. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">- Cambios de control en la emisora.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A continuación, se presentan las principales cuentas del Estado de situación financiera consolidado.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Efectivo y equivalente de efectivo </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El efectivo y equivalentes de efectivo se reconocen inicialmente a su valor razonable, que es su valor nominal.</span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:11pt">Los rendimientos que generan el efectivo y los equivalentes de efectivo se reconocen en los resultados del ejercicio conforme se devengan. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023 el rubro de Efectivo y equivalente de efectivo se integra como se menciona a continuación: </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:508.2pt">
<tr style="height:14.15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1.5pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:204.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold; font-style:italic">Concepto (millones de pesos)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-style:italic"> </span>
</p>
</td>
<td colspan="2" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1.5pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:78.9pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold; font-style:italic">2025</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:7.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold; font-style:italic"> </span>
</p>
</td>
<td colspan="2" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1.5pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:77.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold; font-style:italic">2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold; font-style:italic"> </span>
</p>
</td>
<td colspan="2" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1.5pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:84.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold; font-style:italic">2023</span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:204.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Caja</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.6pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:38.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">33,324 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:7.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:37.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">31,641 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">28,282 </span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:204.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Bancos del país y del extranjero</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:38.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">16,222</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:7.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:37.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">18,312 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">17,246 </span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:204.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:38.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:7.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:37.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1 </span>
</p>
</td>
</tr>
<tr style="height:14.15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:204.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:38.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:7.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:37.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:14.15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:204.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Efectivo y equivalentes de efectivo restringidos:</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:38.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:7.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:37.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:204.5pt">
<p style="margin:0pt 0pt 0pt 9.95pt">
<span style="font-family:Arial; font-size:9pt">Depósitos en BANXICO</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.6pt">
<p style="margin:0pt; text-indent:48pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:38.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">18,409</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:7.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:37.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">18,426 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">18,422 </span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:204.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Compra de divisas 24 y 48 horas</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.6pt">
<p style="margin:0pt; text-indent:48pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:38.35pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">20,451</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:7.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:37.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">18,843 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">18,706 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:204.5pt">
<p style="margin:0pt 0pt 0pt 9.95pt">
<span style="font-family:Arial; font-size:9pt">Venta de divisas 24 y 48 horas</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.6pt">
<p style="margin:0pt; text-indent:48pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:38.35pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(14,550)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:7.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:37.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(18,496) </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">(15,843)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:204.5pt">
<p style="margin:0pt 0pt 0pt 9.95pt">
<span style="font-family:Arial; font-size:9pt">Importe neto de las divisas a entregar y recibir</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.6pt">
<p style="margin:0pt; text-indent:48pt">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:38.35pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5,901</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:7.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:37.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">347 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,863 </span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:204.5pt">
<p style="margin:0pt 0pt 0pt 9.95pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:38.35pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:2.25pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">73,857 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:7.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:37.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:2.25pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:33.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">68,727 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:2.25pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">66,814 </span>
</p>
</td>
</tr>
<tr style="height:0pt">
<td style="width:211.5pt; border:none">
</td>
<td style="width:12.6pt; border:none">
</td>
<td style="width:45.35pt; border:none">
</td>
<td style="width:40.55pt; border:none">
</td>
<td style="width:14.2pt; border:none">
</td>
<td style="width:44.3pt; border:none">
</td>
<td style="width:40.5pt; border:none">
</td>
<td style="width:8pt; border:none">
</td>
<td style="width:41.5pt; border:none">
</td>
<td style="width:49.7pt; border:none">
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Cuentas de Margen </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023, las cuentas de margen corresponden a depósitos en el Mercado Mexicano de Derivados S. A. de C. V. (MexDer) por MXN$11 en 2025, MXN$19 en 2024 y MXN$67 en 2023; así como a depósitos en el Chicago </span><span style="font-family:Arial; font-size:11pt">Mercantile</span><span style="font-family:Arial; font-size:11pt"> Exchange (CME) por MXN$437 en 2025, MXN$77 en 2024 y MXN$45 en 2023. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Representan cuentas individualizadas en donde se depositan activos financieros (efectivo en el caso del Banco) por los participantes en mercados organizados o ciertas cámaras de compensación destinados a procurar el cumplimiento de las obligaciones correspondientes a los Instrumentos Financieros Derivados celebrados, con el fin de mitigar el riesgo de incumplimiento. </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Inversiones en instrumentos financieros </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Comprende acciones, valores gubernamentales, bancarios y corporativos, cotizados y no cotizados, que se clasifican atendiendo a su modelo de negocio, es decir la forma en la que los instrumentos financieros son administrados para generar flujos de efectivo, es decir si se realizarán a través del cobro de principal e intereses, su negociación para obtener una utilidad por su venta o ambos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023 el Banco contaba con inversiones en instrumentos financieros que ascendían a MXN219,688, MXN188,527 y MXN130,293, respectivamente. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025 los instrumentos financieros para cobrar o vender representaban aproximadamente 41.6% del total de inversiones en instrumentos financieros, los instrumentos financieros negociables el 34.6% y los instrumentos financieros para cobrar principal e interés representaban aproximadamente el 23.8% restante.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2024 los instrumentos financieros para cobrar o vender representaban aproximadamente 44.9% del total de inversiones en instrumentos financieros, los instrumentos financieros negociables el 30.2% y los instrumentos financieros para cobrar principal e interés representaban aproximadamente el 24.9% restante. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2023 los instrumentos financieros para cobrar o vender representaban aproximadamente 44.9% del total de inversiones en instrumentos financieros, los instrumentos financieros negociables el 35.7% y los instrumentos financieros para cobrar principal e interés representaban aproximadamente el 19.4% restante. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Operaciones de Reporto </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco actuando como reportada reconoce la entrada del efectivo o equivalentes de efectivo o bien una cuenta liquidadora deudora, así como una cuenta por pagar en el rubro de “Acreedores por reporto” por el precio pactado, que representa la obligación de restituir dicho efectivo a la reportadora. Los activos financieros dados en colateral se presentan como restringidos en el estado de situación financiera. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Cuando el Banco actúa como reportadora reconoce la salida de efectivo y equivalentes de efectivo, o bien una cuenta liquidadora acreedora, registrando una cuenta por cobrar en el rubro de “Deudores por Reporto”, por el precio pactado, que representa el derecho a recuperar el efectivo entregado. Los colaterales recibidos se reconocen en cuentas de orden y se valúan a valor razonable. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A lo largo de la vida del reporto los “Deudores o Acreedores por Reporto” según corresponda, se valúan a su costo amortizado mediante el reconocimiento del interés por reporto, de acuerdo al método de interés efectivo, en el estado de resultados integral en el rubro de “Ingreso o Gasto por intereses”, según corresponda. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Asimismo, en los casos en que el Banco vende el colateral o lo da en garantía reconoce en una cuenta por pagar en el rubro de “Colaterales vendidos o dados en garantía” por la obligación de restituir el colateral a la reportada al precio pactado, y posteriormente lo valúa a su valor razonable, o a su costo amortizado, en caso de que sea dado en garantía en otra operación de reporto; adicionalmente se registra en cuentas de orden en el rubro de “Colaterales recibidos y vendidos o entregados en garantía”, el control de dichos colaterales </span><span style="font-family:Arial; font-size:11pt">valuándolos</span><span style="font-family:Arial; font-size:11pt"> a su valor razonable.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023, los saldos deudores y acreedores por operaciones de venta y compra, respectivamente, de reportos son los siguientes:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:447.3pt">
<tr style="height:2.85pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:153.4pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">(millones de pesos)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:12.4pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td colspan="3" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:137.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Reportadora</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:7.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td colspan="3" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:132.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Reportada</span>
</p>
</td>
</tr>
<tr style="height:2.85pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:153.4pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:12.4pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:41.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.4pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2023</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:7.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:43.9pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:39.9pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">2023</span>
</p>
</td>
</tr>
<tr style="height:2.85pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:153.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:12.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:41.15pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:47.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:47.2pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:7.25pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:43.9pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:47.2pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:39.9pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
<tr style="height:2.85pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:153.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Operaciones de reporto</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:12.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">$</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:41.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">46,352</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.4pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">86,024</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">46,044</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:7.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:43.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">69,939</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">32,918</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:39.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">28,307</span>
</p>
</td>
</tr>
<tr style="height:2.85pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:153.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Colaterales vendidos o dados en garantía</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:12.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:41.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(24,232)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.4pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(62,059)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(32,809)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:7.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:43.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:39.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
</tr>
<tr style="height:2.85pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:153.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:12.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:41.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:47.4pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:47.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:7.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:43.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:47.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:39.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
<tr style="height:2.85pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:153.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:12.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">$</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:41.15pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">22,120</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:47.4pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">23,965</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:47.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">13,235</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:7.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:43.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">69,939</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:47.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">32,918</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:39.9pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">28,307</span>
</p>
</td>
</tr>
<tr style="height:0pt">
<td style="width:154.15pt; border:none">
</td>
<td style="width:13.15pt; border:none">
</td>
<td style="width:41.9pt; border:none">
</td>
<td style="width:48.15pt; border:none">
</td>
<td style="width:47.95pt; border:none">
</td>
<td style="width:8pt; border:none">
</td>
<td style="width:44.65pt; border:none">
</td>
<td style="width:47.95pt; border:none">
</td>
<td style="width:40.65pt; border:none">
</td>
</tr>
</table>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Operaciones con instrumentos financieros derivados </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Un IFD es un instrumento financiero independiente u otro contrato cuyo valor cambia en atención a cambios en el precio de su subyacente, no requiere generalmente una inversión neta inicial y será liquidado en una fecha futura. La distinción básica entre los otros instrumentos financieros y los IFD es que estos últimos permiten participar en los cambios en el valor del subyacente sin tener que poseer un activo o asumir una deuda; por lo tanto, la mayoría de los IFD no requieren una inversión inicial neta.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los IFD pueden utilizarse con fines de negociación o con fines de cobertura. Cuando son contratados con fines de negociación se mantienen con la intención de obtener ganancias basadas en los cambios en su valor razonable. Cuando la intención es utilizarlos con fines de cobertura, éstos tienen el objeto de compensar o transformar el perfil de uno o varios de los riesgos generados por una partida cubierta. Dichos instrumentos, se reconocen inicialmente a valor razonable como activos o pasivos financieros dependiendo de los derechos y/u obligaciones establecidas. Los costos de transacción que se paguen deben afectar el rubro “Resultados por Intermediación” dentro del estado de resultados integral cuando se incurren.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Con fines de negociación - Se valúan subsecuentemente a su valor razonable, reconociendo dicho efecto de valuación en el estado de resultados integral en el rubro “Resultado por intermediación”. Adicionalmente, en el mismo rubro se reconoce el resultado de compra-venta que se genera al momento de la enajenación de un IFD, y la pérdida por deterioro de los derechos establecidos en los IFD, así como el efecto por su reversión.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Con fines de cobertura - La finalidad de la contabilidad de las relaciones de cobertura es reflejar, en los estados financieros de la entidad, el efecto de las actividades de administración para cubrir ciertos riesgos de la entidad, mediante el uso de instrumentos financieros que administran las exposiciones de ciertos riesgos que pueden afectar el resultado integral (ya sea, la utilidad o pérdida neta o el ORI).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023, el Banco contaba con activos financieros relacionados con Instrumentos Financieros Derivados por MXN19,035 MXN26,850 y MXN28,588 respectivamente. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La efectividad prospectiva del inicio será evaluada comparando los términos críticos del activo/pasivo cubierto con respecto a los instrumentos de cobertura. Con esta conciliación y sobre esta base, se espera que la cobertura sea altamente efectiva al principio y a lo largo de la vida de la cobertura.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La efectividad actual y prospectiva en la vida de la cobertura se evalúa al término de cada mes calculando los cambios en los flujos de efectivo del derivado en todos los períodos aplicables en los que se ha designado la cobertura. Estos se comparan con los cambios en los flujos de efectivo de la posición cubierta en el mismo período que le aplica.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">De no haberse cubierto la posición primaria con las operaciones financieras derivadas mencionada anteriormente se hubiera tenido un impacto favorable en los resultados de 2025, 2024 y 2023 por MXN13 y MXN(13) y MXN20 respectivamente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Montos nocionales:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los montos nocionales de los contratos representan el volumen de IFD vigentes y no la pérdida o ganancia asociada con el riesgo de mercado o riesgo de crédito de los instrumentos y representan el importe al que una tasa o un precio se aplican para determinar el monto de flujo de efectivo a ser intercambiado.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023 el Banco otorgó colaterales distintos de efectivo por pasivos resultantes de IFD por un monto de MXN447, MXN654 y MXN582, respectivamente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023 el Banco recibió colaterales distintos de efectivo por pasivos resultantes de IFD por un monto de MXN1,698, MXN1,116 y MXN179, respectivamente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023, el riesgo de crédito (incluyendo colaterales) por operaciones con IFD asciende a MXN5,887, MXN10,632 y MXN12,209</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">respectivamente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, contrapartes del banco no tuvieron incumplimientos originados con IFD. Al 31 de diciembre de 2024, contrapartes del banco no tuvieron incumplimientos originados con IFD. Al 31 de diciembre de 2023, contrapartes del banco tuvieron incumplimientos originados con IFD que ascendieron a MXN$56. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El saldo en deudores diversos originado por incumplimientos en este tipo de contratos al 31 de diciembre de 2025, 2024 y 2023 ascendió a MXN59, MXN59 y MXN59, respectivamente. Al cierre de diciembre de 2025, 2024 y 2023 se realizaron aplicaciones contra las reservas por MXN59, MXN59, MXN56 respectivamente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Cartera de Crédito </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, la cartera de crédito neta fue de MXN460,490, mostrando una disminución de MXN32,244 o 6.5% en comparación con MXN492,734 al 31 de diciembre de 2024. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2024, la cartera de crédito neta fue de MXN492,734, mostrando un incremento de MXN41,719 o 9.3% en comparación con MXN451,015 al 31 de diciembre de 2023. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El índice de morosidad al 31 de diciembre de 2025 fue de 3.00%, al 31 de diciembre de 2024 fue de 2.30%, en comparación con 2.71% al 31 de diciembre de 2023. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El saldo de la cartera de crédito en etapa 1 y etapa 2 al 31 de diciembre de 2025 fue de MXN461,331, una disminución de 7.6% en comparación con MXN499,313 al 31 de diciembre de 2024. La disminución es impulsada por una caída de 7.5% en la cartera de Banca Comercial (CIB) comparado con el 31 de diciembre de 2024, y la cartera de Banca Patrimonial y Personal (IWPB) con una disminución de 7.7% respecto a 2024.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El saldo de la cartera de crédito en etapa 1 y etapa 2 al 31 de diciembre de 2024 fue de MXN499,313, un incremento de 9.5% en comparación con MXN456,064 al 31 de diciembre de 2023. El incremento es impulsado por un crecimiento de 15% en la cartera de Banca Comercial (CIB) comparado con el 31 de diciembre de 2023, y la cartera de Banca Patrimonial y Personal (IWPB) con un crecimiento de 4%.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, la cartera comercial en etapa 1 y etapa 2 (incluyendo entidades financieras y gubernamentales) fue MXN227,282, una disminución en MXN18,485 o 7.5% en comparación con MXN245,767 al 31 de diciembre de 2024. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2024, la cartera comercial en etapa 1 y etapa 2 (incluyendo entidades financieras y gubernamentales) fue MXN245,767, un incrementó en MXN31,825 o 14.9% en comparación con MXN213,942 al 31 de diciembre de 2023. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, la cartera de consumo en etapa 1 y etapa 2 fue MXN89,858, una disminución en MXN14,270 o 13.7% en comparación con MXN104,128 al 31 de diciembre de 2024.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2024, la cartera de consumo en etapa 1 y etapa 2 fue MXN104,128, un incrementó en MXN4,748 o 4.8% en comparación con MXN99,380 al 31 de diciembre de 2023.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, la cartera a la vivienda en etapa 1 y etapa 2 fue MXN144,191, una disminución en MXN5,227 o 3.5% en comparación con MXN149,418 al 31 de diciembre de 2024.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2024, la cartera a la vivienda en etapa 1 y etapa 2 fue MXN149,418, un incrementó en MXN6,676 o 4.7% en comparación con MXN142,742 al 31 de diciembre de 2023.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Cartera de crédito en etapa 3 </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco clasifica los créditos desde su reconocimiento inicial en etapas de riesgo de crédito, esto dependiendo del incremento significativo del riesgo crediticio que dichos créditos evidencien, ya sea medido en número de atrasos de facturaciones vencidas o número de días de atraso, dependiendo del tipo de crédito de que se trata y con base en lo establecido en las Disposiciones.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 10pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">Etapa 3</span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 10pt 38.41pt; text-indent:0pt; padding-left:11.24pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cuando el acreditado se haya declarado en concurso mercantil conforme a la Ley de Concursos Mercantiles y no continúen realizando pagos en los términos de dicha Ley, caso contrario se sujetarán a las condiciones generales mencionadas abajo.</span>
</li>
<li style="margin:0pt 0pt 10pt 38.41pt; text-indent:0pt; padding-left:11.24pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Créditos comerciales con días de atraso mayores o iguales a 90 días, o cuando tengan 30 días o más de atraso si se trata de créditos con pago único de principal al vencimiento e intereses, o 90 días de vencido en el pago de interés respectivo, o 30 días de vencido el capital, cuando se trate de crédito con pago único de principal al vencimiento y periódico de intereses.</span>
</li>
<li style="margin:0pt 0pt 10pt 38.41pt; text-indent:0pt; padding-left:11.24pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Créditos de Consumo revolvente y no revolventes cuando el número de atraso en la facturación vencida es mayor a 3.</span>
</li>
<li style="margin:0pt 0pt 10pt 38.41pt; text-indent:0pt; padding-left:11.24pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Créditos a la Vivienda cuando el número de atraso en la facturación vencida es mayor a 3, excepto si estos corresponden a créditos clasificados como ROA.</span>
</li>
<li style="margin:0pt 0pt 10pt 38.41pt; text-indent:0pt; padding-left:11.24pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Créditos a la Vivienda clasificados como ROA cuando el número de atraso en la facturación vencida es mayor o igual a 3 y menor o igual a 6 si alguno de los pagos realizados durante dicho periodo no representa al menos el 5% de la amortización pactada.</span>
</li>
<li style="margin:0pt 0pt 10pt 38.41pt; text-indent:0pt; text-align:justify; padding-left:11.24pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Créditos a la Vivienda clasificados como ROA cuando el número de atraso en la facturación vencida es mayor a 6.</span>
</li>
</ul>
<p style="margin:0pt 0pt 10pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Con base en las Disposiciones, el Banco considera de forma adicional a las reglas generales de traspaso a etapas de mayor riesgo antes mencionadas, un criterio cualitativo para migrar un Crédito Comercial a la Etapa 3, independientemente de sus días de atraso y su etapa de Riesgo actual, sea 1 o 2; dicho criterio está relacionado con un indicio de probabilidad de impago en sus obligaciones crediticias. Este criterio se encuentra debidamente formalizado por el Banco dentro de sus manuales de políticas y procedimientos, asegurando que se aplica de forma consistente.</span>
</p>
<p style="margin:0pt 0pt 10pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Se regresan a cartera con riesgo de crédito etapa 1, los créditos con riesgo de crédito etapa 3 o etapa 2 en los que se liquiden totalmente los saldos exigibles pendientes de pago (principal e intereses, entre otros) o, que, siendo créditos reestructurados o renovados, cumplen con su pago sostenido del crédito de acuerdo con los Criterios Contables.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025 el total de la cartera en etapa 3 fue de MXN14,578, teniendo un incremento de 24.2% en comparación contra el saldo al 31 de diciembre 2024 de MXN11,733.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2024 el total de la cartera en etapa 3 fue de MXN11,733, teniendo una disminución de 7.7% en comparación contra el saldo al 31 de diciembre 2023 de MXN12,709. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El índice de morosidad al 31 de diciembre de 2025 fue de 3.00%, en comparación 2.30% al del 31 de diciembre de 2024.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El índice de morosidad al 31 de diciembre de 2024 fue de 2.30%, en comparación 2.71% al del 31 de diciembre de 2023.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los movimientos de Cartera en Etapa 3 durante el año 2025, 2024 y 2023 son los siguientes:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:496.15pt">
<tr style="height:9.2pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1.5pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Concepto (millones de pesos)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1.5pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1.5pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:67.3pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1.5pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:67.3pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">Saldo inicial de cartera vencida</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">-</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">-</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:1.5pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">Impacto por cambio de metodología etapa 3</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:normal">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Saldo inicial de cartera en etapa 3</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">11,733</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">12,709</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">12,741</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Entradas a cartera con riesgo de crédito etapa 3</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">28,806</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">20,337</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">20,508</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Reestructuras y renovaciones</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">12</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">11</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">457</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Traspaso de cartera con riesgo de crédito etapa 1</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">6,531</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,249</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">4,778</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Traspaso de cartera con riesgo de crédito etapa 2</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">21,832</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">16,805</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">14,993</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Intereses devengados no cobrados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">431</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">272</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">240</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Otros</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">40</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Salidas de cartera con riesgo de crédito etapa 3</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">25,961</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">21,313</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">20,540</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Reestructuras y renovaciones</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">13</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">11</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Créditos liquidados</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">22,635</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">19,084</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">17,540</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Cobranza en efectivo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">8,633</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">6,672</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">7,183</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Castigos, quitas y condonaciones</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">14,002</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">12,412</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">10,357</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Traspaso a cartera con riesgo de crédito etapa 1</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,874</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,504</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,605</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Traspaso a cartera con riesgo de crédito etapa 2</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">325</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">16</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">27</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Ajuste cambiario etapa 3</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">114</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">(302)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">363</span>
</p>
</td>
</tr>
<tr style="height:17pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:250.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Saldo final de cartera en etapa 3</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">$ </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:2.25pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">14,578</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:2.25pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">11,733</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:2.25pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:67.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">12,709</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Bursatilización de cartera hipotecaria </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:12pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025 y 2024, el Banco no cuenta con operaciones de bursatilización ya que, en noviembre de 2022, HSBC en su carácter de fiduciario ejerció su derecho de readquisición del patrimonio del Fideicomiso emisor 685, amortizando anticipadamente la operación, la cual tenía fecha de vencimiento en el año 2025.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Estimación preventiva para riesgos crediticios 2025, 2024 y 2023 </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Debido a la resolución realizada por la Comisión Bancaria publicada en el DOF el 13 de marzo de 2020 y modificada el 4 de diciembre de 2020, a partir del 1 de enero de 2022 el Banco calcula y constituye la estimación preventiva para riesgos crediticios en un esquema de pérdidas esperadas, calificando desde su reconocimiento inicial los créditos de su cartera crediticia con base en el criterio de incremento significativo del riesgo crediticio. Este criterio se aplica desde el momento de la </span><span style="font-family:Arial; font-size:11pt">originación</span><span style="font-family:Arial; font-size:11pt"> y durante toda la vida del crédito, aun cuando este sea renovado o reestructurado.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La estimación de las pérdidas esperadas se realiza considerando 3 etapas dependiendo del nivel de deterioro crediticio de los activos, siendo la etapa 1 aquella que incorporará los instrumentos financieros cuyo riesgo crediticio no se ha incrementado de manera significativa desde su reconocimiento inicial y la estimación deberá constituirse por un periodo de 12 meses; la etapa 2 incorpora los instrumentos en los que se presenta un incremento significativo en el riesgo crediticio desde su reconocimiento inicial y finalmente, la etapa 3 engloba los instrumentos en los que existe una evidencia objetiva de deterioro.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para determinar la estimación preventiva de riesgo de crédito la Institución utiliza la metodología general con Enfoque Estándar de acuerdo a las reglas y procedimiento establecidos en las Disposiciones por la Comisión Bancaria para cada tipo de cartera. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La estimación preventiva se integra como sigue para los periodos que se indican: </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:479.4pt">
<tr style="height:10.9pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:263pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Concepto (millones de pesos)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:top; width:58.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:top; width:58.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:top; width:58.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:263pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Estimación de la Cartera Evaluada</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">$</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:58.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 18,026 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:58.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 18,278 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:58.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">17,716</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:263pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Reservas Adicionales, incluyendo Intereses Vencidos</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:58.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 105 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:58.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> 34 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:58.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">42</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:263pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> Total Estimación Preventiva</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3pt; vertical-align:middle; width:4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">$</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d9d9d9; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:3.5pt; padding-right:3.12pt; vertical-align:middle; width:58.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:normal"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">18,131</span><span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d9d9d9; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:3.12pt; padding-right:3pt; vertical-align:middle; width:58.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:normal"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">18,312</span><span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:1pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:3pt; padding-right:3pt; vertical-align:middle; width:58.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">17,758</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025 la estimación preventiva para riesgos crediticios fue de MXN18,131, una disminución de MXN181 o 1.0% comparado con MXN18,312 el mismo periodo del 2024. El índice de cobertura de cartera de crédito etapa 3 fue de 124.4% al 31 de diciembre de 2025 comparado con 156.1% al 31 de diciembre de 2024.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2024, la estimación preventiva para riesgos crediticios fue de MXN18,312, un incremento de MXN554 o 3.1% comparado con MXN17,758 el mismo periodo del 2023. El índice de cobertura de cartera de crédito etapa 3 fue de 156.1% al 31 de diciembre de 2024 comparado con 139.7% al 31 de diciembre de 2023.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Inmuebles, mobiliario y equipo </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre 2025, 2024 y 2023, la cuenta de inmuebles, mobiliario y equipo registraron MXN6,456, MXN6,612 y MXN6,756 respectivamente. El importe de 2025 representa un decremento de 2.4% en relación con 2024, impulsado principalmente por la depreciación de estos. El importe de 2024 representa una disminución de 2.1% en relación con 2023, impulsado principalmente por la depreciación de estos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Captación </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre 2025, la captación total disminuyó 8.5% comparado con el saldo al 31 de diciembre de 2024, impulsado principalmente por menores depósitos a plazo y depósitos a la vista. Al 31 de diciembre 2024, la captación total creció 18.1% comparado con el saldo al 31 de diciembre de 2023, impulsado principalmente por mayores depósitos a plazo y depósitos a la vista. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los depósitos de disponibilidad inmediata fueron MXN384,519 para 2025, representando una disminución de 5.5% respecto al cierre de 2024. Los depósitos de disponibilidad inmediata fueron MXN406,705 para 2024, representando un incremento de 16.1% respecto al cierre de 2023. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los depósitos a plazo al cierre del 31 de diciembre 2025 disminuyeron 15.94% con respecto al 31 de diciembre de 2024. Los depósitos a plazo al cierre del 31 de diciembre 2024 incrementaron 16.67% con respecto al 31 de diciembre de 2023.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 12pt">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023 el Banco ha efectuado las siguientes emisiones de Certificados de Depósito (CEDES):</span>
</p>
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">2025</span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:460.5pt">
<tr style="height:1pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:60.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.35pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.55pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Fecha de emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Monto de la emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Moneda emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:45.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Monto en circulación</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:37.35pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Intereses</span>
</p>
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">por pagar</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:83.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Tasa</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.6pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Fecha de vencimiento</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:60.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8.5pt">HSBCMX25001</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:2.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8.5pt">27/01/2025</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt">$ 9,300</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt">MXN</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:45.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt">$</span><span style="font-family:Arial; font-size:8pt"> </span><span style="font-family:Arial; font-size:8.5pt">9,300</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:37.35pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt">$</span><span style="font-family:Arial; font-size:8.5pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:8.5pt">6</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:83.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8.5pt">TIIE FOND + 0.25 </span><span style="font-family:Arial; font-size:8.5pt">p.p</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8.5pt">26/01/2026</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:60.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8.5pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:2.35pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8.5pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:42.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">$9,300 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:34.2pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8.5pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:45.2pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">$ 9,300</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:37.35pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">$ 6</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:83.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8.5pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.6pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8.5pt"> </span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt 0pt 12pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">2024</span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:100.06%">
<tr style="height:25.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:15.3%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:11.12%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Fecha de Emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:8.88%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Monto de la Emisión </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:8.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Moneda Emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:12.52%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Monto en circulación</span>
</p>
</td>
<td colspan="2" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Intereses</span>
</p>
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">por pagar</span>
</p>
</td>
<td colspan="2" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Tasa</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:12.4%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Fecha de vencimiento</span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:15.3%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBCMX 24006</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:11.12%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">29/01/2024</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.88%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">$ 3,500 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> MXN </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:12.52%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">$ 3,500 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:9.34%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">$ 2 </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> TIIE 28 1M + 0.09 </span><span style="font-family:Arial; font-size:8pt">p.p</span><span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">27/01/2025</span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:15.3%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBCMX 24007</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:11.12%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">19/02/2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.88%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> 1,000 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> MXN </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:12.52%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> 1,000 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:9.34%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">3 </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> TIIE 28 1M + 0.08 </span><span style="font-family:Arial; font-size:8pt">p.p</span><span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">17/02/2025</span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:15.3%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBCMX 24008</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:11.12%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">23/02/2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.88%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> 6,000 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> MXN </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:12.52%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> 6,000 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:9.34%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">9 </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> TIIE 28 1M + 0.09 </span><span style="font-family:Arial; font-size:8pt">p.p</span><span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">21/02/2025</span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:15.3%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBCMX 24009</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:11.12%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">07/03/2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.88%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> 4,700 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> MXN </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:12.52%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> 4,700 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:9.34%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">26 </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> TIIE 28 1M + 0.09 </span><span style="font-family:Arial; font-size:8pt">p.p</span><span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">07/03/2025</span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:15.3%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBCMX 24010</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:11.12%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">08/03/2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.88%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> 1,000 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> MXN </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:12.52%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> 1,000 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:9.34%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">4 </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> TIIE 28 1M + 0.09 </span><span style="font-family:Arial; font-size:8pt">p.p</span><span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">10/03/2025</span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:15.3%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBCMX 24011</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:11.12%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">19/11/2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.88%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> 3,450 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> MXN </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:12.52%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> 3,450 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:9.34%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">14 </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> TIIE 28 1M + 0.03 </span><span style="font-family:Arial; font-size:8pt">p.p</span><span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">02/07/2025</span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:15.3%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBCMX 24012</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:11.12%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">21/11/2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.88%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> 1,700 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> MXN </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:12.52%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> 1,700 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:9.34%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">6 </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> TIIE 28 1M + 0.03 </span><span style="font-family:Arial; font-size:8pt">p.p</span><span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">04/07/2025</span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:15.3%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">HSBCMX 24013</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:11.12%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">26/11/2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.88%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> 1,100 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> MXN </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:12.52%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> 1,100 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:9.34%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">2 </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> TIIE 28 1M + 0.03 </span><span style="font-family:Arial; font-size:8pt">p.p</span><span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">08/07/2025</span>
</p>
</td>
</tr>
<tr style="height:14.15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:15.3%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:11.12%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">TOTAL</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.88%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">$22,450</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:8.94%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:12.52%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">$22,450</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:9.34%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">$66</span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold"> </span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold"> </span>
</p>
</td>
</tr>
<tr style="height:0pt">
<td style="width:65.7pt; border:none">
</td>
<td style="width:9.4pt; border:none">
</td>
<td style="width:47.05pt; border:none">
</td>
<td style="width:40.1pt; border:none">
</td>
<td style="width:40.1pt; border:none">
</td>
<td style="width:51.9pt; border:none">
</td>
<td style="width:42.55pt; border:none">
</td>
<td style="width:1.8pt; border:none">
</td>
<td style="width:84.6pt; border:none">
</td>
<td style="width:0.35pt; border:none">
</td>
<td style="width:56.6pt; border:none">
</td>
</tr>
</table>
</div>
<p style="margin:0pt 0pt 12pt; text-align:center">
<br style="page-break-before:always; clear:both" /><span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:100.2%">
<tr style="height:25.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:16.54%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:10.84%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Fecha de Emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:8.78%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Monto de la Emisión </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:8.78%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Moneda Emisión</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:11.36%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Monto en circulación</span>
</p>
</td>
<td colspan="2" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Intereses</span>
</p>
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">por pagar</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:19.54%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Tasa</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:12.38%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">Fecha de vencimiento</span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:16.54%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">HSBCMX 23002</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:10.84%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">27/10/2023</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.78%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt">$ 3,000</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:8.78%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">MXN</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:11.36%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt">$ 3,000</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:9.24%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt">$ 10</span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">TIIE 28 1M + 0.05 p.p.</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:12.38%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">19/01/2024</span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:16.54%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">HSBCMX D23001</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:10.84%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">30/10/2023</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:8.78%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt">170</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:8.78%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">USD</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:11.36%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt"> 170</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.24%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt">-</span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">SOFR 1M + 0.55 p.p.</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:12.38%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">28/01/2024</span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:16.54%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">HSBCMX 23003</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:10.84%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">01/12/2023</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:8.78%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt">5,950</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:8.78%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">MXN</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:11.36%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt">5,950</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.24%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt">6</span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">TIIE 28 1M + 0.06 p.p.</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:12.38%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">23/02/2024</span>
</p>
</td>
</tr>
<tr style="height:11.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:16.54%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">HSBCMX 23004</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:10.84%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">06/12/2023</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:8.78%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt">5,000</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:8.78%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">MXN</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:11.36%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt">5,000</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.24%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt">41</span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">TIIE 28 1M + 0 p.p.</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:12.38%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8.5pt">03/01/2024</span>
</p>
</td>
</tr>
<tr style="height:14.15pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:16.54%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.06%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:10.84%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">TOTAL</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:8.78%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">$ 14,120</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:8.78%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:11.36%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">$ 14,120</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:9.24%">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8.5pt; font-weight:bold">$ 57</span>
</p>
</td>
<td colspan="2" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:12.38%">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold"> </span>
</p>
</td>
</tr>
<tr style="height:0pt">
<td style="width:75.55pt; border:none">
</td>
<td style="width:9.4pt; border:none">
</td>
<td style="width:49.55pt; border:none">
</td>
<td style="width:40.1pt; border:none">
</td>
<td style="width:40.1pt; border:none">
</td>
<td style="width:51.9pt; border:none">
</td>
<td style="width:42.15pt; border:none">
</td>
<td style="width:2.2pt; border:none">
</td>
<td style="width:89.15pt; border:none">
</td>
<td style="width:56.6pt; border:none">
</td>
</tr>
</table>
</div>
<p style="margin:0pt 0pt 12pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al cierre del ejercicio 2025, 2024 y 2023 la emisora no cuenta con Bonos Bancarios Estructurados. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco ha efectuado las emisiones de títulos de crédito que se mencionan a continuación:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:527.85pt">
<tr style="height:15pt">
<td rowspan="2" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:56.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Serie</span>
</p>
</td>
<td rowspan="2" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:43pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Fecha de emisión</span>
</p>
</td>
<td rowspan="2" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:88.4pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Tasa de interés</span>
</p>
</td>
<td rowspan="2" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:46.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Fecha de vencimiento</span>
</p>
</td>
<td rowspan="2" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Número de títulos en circulación</span>
</p>
</td>
<td rowspan="2" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:40.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Monto autorizado</span>
</p>
</td>
<td colspan="5" style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:134.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">Monto en circulación</span>
</p>
</td>
</tr>
<tr style="height:8.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:30.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">2024</span>
</p>
</td>
<td colspan="2" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:53.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">2023</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:56.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt">94 HSBC 17-2</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:43pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">2-Oct-17</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:88.4pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">8.41%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:46.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">20-Sep-27</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">25,000,000</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:40.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">20,000</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">2,500</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:30.65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">2,500</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">2,500</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; vertical-align:top">
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:56.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt">94 HSBC 20</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:43pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">23-Jun-20</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:88.4pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">TIIE 28D + 0.50 </span><span style="font-family:Arial; font-size:8pt">pp</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:46.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">20-Jun-23</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">10,000,000</span>
</p>
</td>
<td rowspan="5" style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:40.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">40,000</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">- </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:30.65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">- </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">- </span>
</p>
</td>
<td style="vertical-align:top">
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:56.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt">94 HSBC 20-2</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:43pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">23-Jun-20</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:88.4pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">0.0785</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:46.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">11-Jun-30</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">60,000,000</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">5,997</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:30.65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">6,000</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">6,000</span>
</p>
</td>
<td style="vertical-align:top">
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:56.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt">94 HSBC 24</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:43pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">14-May-24</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:88.4pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">TIIE FONDEO + 0.34 </span><span style="font-family:Arial; font-size:8pt">pp</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:46.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">11-May-27</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">49,811,100</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">4,981</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:30.65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">4,981</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">-</span>
</p>
</td>
<td style="vertical-align:top">
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15.75pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:56.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt">94 HSBC 24-2</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:43pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">14-May-24</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:88.4pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">10.34%</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:46.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">8-May-29</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">25,000,000</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">2,500</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:30.65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">2,496</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">-</span>
</p>
</td>
<td style="vertical-align:top">
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15.75pt">
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:56.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt">94 HSBC 24D*</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:43pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">14-May-24</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:88.4pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">5.51%</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:46.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt">11-May-27</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:42.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">1,500,000</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">2,701</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:30.65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">3,132</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> </span><span style="font-family:Arial; font-size:8pt">-</span>
</p>
</td>
<td style="vertical-align:top">
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15.75pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:bottom; width:43pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:bottom; width:88.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:bottom; width:46.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:bottom; width:42.25pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:40.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">18,679</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:30.65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">19,109</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">8,500</span>
</p>
</td>
<td style="vertical-align:top">
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15.75pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:bottom; width:43pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:bottom; width:88.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:46.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td colspan="2" style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:93.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">Intereses devengados</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">147</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:30.65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">150</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt">74</span>
</p>
</td>
<td style="vertical-align:top">
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:16.5pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:bottom; width:56.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:bottom; width:43pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:bottom; width:88.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:bottom; width:46.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:bottom; width:42.25pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:40.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:8pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:2.25pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.95pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">$18,826 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:2.25pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:30.65pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">$19,259 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:2.25pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:8pt; font-weight:bold">$8,574 </span>
</p>
</td>
<td style="vertical-align:top">
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:0pt">
<td style="width:67.5pt; border:none">
</td>
<td style="width:53.8pt; border:none">
</td>
<td style="width:99.2pt; border:none">
</td>
<td style="width:57.5pt; border:none">
</td>
<td style="width:53.05pt; border:none">
</td>
<td style="width:51.25pt; border:none">
</td>
<td style="width:39.75pt; border:none">
</td>
<td style="width:41.45pt; border:none">
</td>
<td style="width:46.65pt; border:none">
</td>
<td style="width:17.4pt; border:none">
</td>
<td style="width:0.3pt; border:none">
</td>
</tr>
</table>
</div>
<p style="margin:0pt; line-height:12pt">
<span style="font-family:Arial; font-size:8pt">* </span><span style="font-family:Arial; font-size:8pt">pp</span><span style="font-family:Arial; font-size:8pt">: puntos porcentuales</span>
</p>
<p style="margin:0pt 0pt 5pt; line-height:12pt">
<span style="font-family:Arial; font-size:8pt">*</span><span style="font-family:Arial; font-size:8pt; font-style:italic"> Monto expresado en moneda nacional al tipo de cambio de cierre de jornada</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023, el Banco no cuenta con operaciones de bursatilización ya que, en noviembre de 2022, HSBC en su carácter de fiduciario ejerció su derecho de readquisición del patrimonio del Fideicomiso emisor 685, amortizando anticipadamente la operación, la cual tenía fecha de vencimiento en el año 2025.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Fuentes de Fondeo </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La principal fuente de fondeo de HSBC México son los depósitos que recibe de sus clientes, es decir el fondeo lo realiza el Banco a través de la captación de recursos del público en general, en el entendido que el Emisor es una Institución de Banca Múltiple autorizada a realizar actividades de captación por la SHCP.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La captación de depósitos a plazo del público en general al 31 de diciembre de 2025 se disminuyó 10.20% con respecto al cierre del 2024. La captación de depósitos a plazo del público en general al 31 de diciembre de 2024 se incrementó 12.6% con respecto al cierre del 2023. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Con base en información estadística de la CNBV, al 31 de diciembre de 2025 el Banco tenía una participación de mercado en cuanto a captación se refiere de 6.0%,</span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:11pt">para el ejercicio 2024 el Banco tenía una participación de mercado de 7.0% en captación total, 6.6% en 2023.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México no ha tenido episodios de incumplimiento en las obligaciones de pasivos o deuda asumidos. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Políticas de Tesorería </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México persigue 3 objetivos específicos en las actividades de la Tesorería:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">a) Gestión del riesgo de tasa de interés en el balance.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">b) Administración eficiente de los riesgos de liquidez y fondeo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">c) Supervisión y gestión de los requerimientos de capital.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Todo lo anterior bajo un estricto esquema de controles y límites tanto regulatorios como de orden interno y dentro de los más altos estándares que caracterizan al Grupo HSBC.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="width:36pt; text-indent:0pt; display:inline-block"></span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:normal"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold">Obligaciones subordinadas en circulación </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de </span><span style="font-family:Arial; font-size:11pt">2025, 2024 y 2023, las obligaciones subordinadas en pesos moneda extranjera convertibles y no convertibles en títulos representativos de capital y sus intereses devengados se integran como se muestra a continuación:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:351.05pt">
<tr style="height:15.75pt">
<td style="vertical-align:middle; width:198.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">(millones de pesos):</span>
</p>
</td>
<td style="vertical-align:middle; width:11.85pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="vertical-align:middle; width:41.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2025</span>
</p>
</td>
<td style="vertical-align:middle; width:6.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="vertical-align:middle; width:38.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2024</span>
</p>
</td>
<td style="vertical-align:middle; width:5.85pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="vertical-align:middle; width:48.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:17.25pt">
<td style="vertical-align:middle; width:198.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">En 2018, con vencimiento en 2028 </span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">(1)</span>
</p>
</td>
<td style="vertical-align:middle; width:11.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:41.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">7,203</span>
</p>
</td>
<td style="vertical-align:middle; width:6.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:38.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">8,353</span>
</p>
</td>
<td style="vertical-align:middle; width:5.85pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:48.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">6,787</span>
</p>
</td>
</tr>
<tr style="height:17.25pt">
<td style="vertical-align:middle; width:198.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">En 2019, perpetuas </span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">(2)</span>
</p>
</td>
<td style="vertical-align:middle; width:11.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:41.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="vertical-align:middle; width:6.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:38.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="vertical-align:middle; width:5.85pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:48.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">3,054</span>
</p>
</td>
</tr>
<tr style="height:17.25pt">
<td style="vertical-align:middle; width:198.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">En 2022, con vencimiento en 2032 </span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">(3)</span>
</p>
</td>
<td style="vertical-align:middle; width:11.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:top; width:41.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">8,976 </span>
</p>
</td>
<td style="vertical-align:middle; width:6.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:38.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">10,404</span>
</p>
</td>
<td style="vertical-align:middle; width:5.85pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:48.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">8,449</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="vertical-align:middle; width:198.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">En 2023, con vencimiento en 2033 </span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">(4)</span>
</p>
</td>
<td style="vertical-align:middle; width:11.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:top; width:41.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">6,938 </span>
</p>
</td>
<td style="vertical-align:middle; width:6.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:38.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">6,934</span>
</p>
</td>
<td style="vertical-align:middle; width:5.85pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:48.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">6,931</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="vertical-align:middle; width:198.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">En 2024, con vencimiento en 2034 </span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">(5)</span>
</p>
</td>
<td style="vertical-align:middle; width:11.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:top; width:41.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">12,473 </span>
</p>
</td>
<td style="vertical-align:middle; width:6.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:38.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">14,187</span>
</p>
</td>
<td style="vertical-align:middle; width:5.85pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:48.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="vertical-align:middle; width:198.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">En 2025, con vencimiento en 2035</span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">(6)</span>
</p>
</td>
<td style="vertical-align:middle; width:11.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:top; width:41.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">5,503</span>
</p>
</td>
<td style="vertical-align:middle; width:6.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:38.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
<td style="vertical-align:middle; width:5.85pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:48.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">-</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="vertical-align:middle; width:198.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Intereses devengados por pagar</span>
</p>
</td>
<td style="vertical-align:middle; width:11.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:top; width:41.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">350 </span>
</p>
</td>
<td style="vertical-align:middle; width:6.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:38.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">275</span>
</p>
</td>
<td style="vertical-align:middle; width:5.85pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:48.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">180</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="vertical-align:middle; width:198.5pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="vertical-align:middle; width:11.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">$</span>
</p>
</td>
<td style="vertical-align:middle; width:41.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">41,443</span>
</p>
</td>
<td style="vertical-align:middle; width:6.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="vertical-align:middle; width:38.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">40,153</span>
</p>
</td>
<td style="vertical-align:middle; width:5.85pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
</td>
<td style="vertical-align:middle; width:48.15pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">25,401</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ol type="1" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 12pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">En 2018, el Banco llevó a cabo una emisión en moneda extranjera de obligaciones subordinadas preferentes no susceptibles de convertirse en acciones. Dicha emisión se hizo por un monto de </span><span style="font-family:Arial; font-size:11pt">Dls</span><span style="font-family:Arial; font-size:11pt"> $400 millones; los cuales fueron colocados en su totalidad mediante 2 exhibiciones (31 de mayo de 2018 y 28 de agosto de 2018) con una vigencia de diez años, con intereses referenciados a la Tasa Libor (operada actualmente con SOFR) más 2.55 puntos porcentuales a pagar cada 90 días. Esta emisión computa como capital complementario en la determinación del índice de capitalización, calculado conforme a las reglas de capitalización vigentes a dichas fechas, emitidas por la Comisión Nacional Bancaria y de Valores y Banxico.</span>
</li>
<li style="margin:0pt 0pt 12pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">El 16 de diciembre de 2019, el Banco llevó a cabo una emisión en moneda extranjera de obligaciones subordinadas de capital, no preferentes, perpetuas y no susceptibles de convertirse en acciones. Dicha emisión se hizo por un monto de </span><span style="font-family:Arial; font-size:11pt">Dls</span><span style="font-family:Arial; font-size:11pt"> $180 millones; los cuales fueron colocados en su totalidad el 18 de diciembre de 2019 con intereses </span><span style="font-family:Arial; font-size:11pt">referenciados a la tasa de rendimiento de los bonos a 5 años del Tesoro de los Estados Unidos de América publicada en la fecha de cálculo de la Tasa de Interés Bruto Anual. Esta emisión computa como capital básico no fundamental en la determinación del índice de capitalización, calculado conforme a las reglas de capitalización vigentes a dichas fechas, emitidas por la Comisión Nacional Bancaria y de Valores y Banxico. Con fecha 18 de diciembre de 2024 el Banco efectuó el prepago de esta emisión.</span>
</li>
<li style="margin:0pt 0pt 12pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">En 2022, el Banco llevó a cabo una emisión en moneda extranjera de obligaciones subordinadas preferentes, no susceptibles de convertirse en acciones. Dicha emisión se hizo por un monto de </span><span style="font-family:Arial; font-size:11pt">Dls</span><span style="font-family:Arial; font-size:11pt"> $500 millones; los cuales fueron colocados en su totalidad el 7 de diciembre de 2022 con una vigencia de diez años, con intereses referenciados a la Tasa SOFR más 4.42 puntos porcentuales a pagar cada 90 días. Esta emisión computa como capital complementario en la determinación del índice de capitalización, calculado conforme a las reglas de capitalización vigentes a dichas fechas, emitidas por la Comisión Nacional Bancaria y de Valores y Banxico.</span>
</li>
<li style="margin:0pt 0pt 12pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">En 2023, el Banco llevó a cabo una emisión en moneda nacional de obligaciones subordinadas de capital preferentes, no susceptibles de convertirse en acciones. Dicha emisión se hizo por un monto de $6,962 menos $31 de gastos de colocación; los cuales fueron colocados en su totalidad el 6 de diciembre de 2023 con una vigencia de diez años, con intereses a tasa fija del 13.65% durante los primeros 5 años de la emisión y posteriormente con intereses referenciados a la Tasa de referencia Bonos M a pagar cada 180 días. Esta emisión computa como capital complementario en la determinación del índice de capitalización, calculado conforme a las reglas de capitalización vigentes a dichas fechas, emitidas por la Comisión Nacional Bancaria y de Valores y Banxico.</span>
</li>
<li style="margin:0pt 0pt 12pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">En 2024, el Banco llevó a cabo dos emisiones, la primera en moneda nacional y la segunda en dólares como obligaciones subordinadas de capital preferentes, no susceptibles de convertirse en acciones. La primera emisión se hizo por un monto de $1,713 millones de pesos menos $7.7 de gastos de colocación con pago semestral de intereses a una tasa fija del 12.25% durante los primeros 5 años, posteriormente con intereses referenciados a la tasa de bonos M a un año; la segunda emisión se hizo por un monto de </span><span style="font-family:Arial; font-size:11pt">Dls</span><span style="font-family:Arial; font-size:11pt"> $ 600 millones menos </span><span style="font-family:Arial; font-size:11pt">Dls</span><span style="font-family:Arial; font-size:11pt"> $2.4 de gastos de colocación con pago trimestral de intereses a la tasa SOFR+3.29 puntos porcentuales; Dichas emisiones fueron colocados en su totalidad el 28 de febrero y 26 de septiembre, respectivamente, con una vigencia de diez años. Estas emisiones computan como capital complementario en la determinación del índice de capitalización, calculado conforme a las reglas de capitalización vigentes a dichas fechas, emitidas por la Comisión Nacional Bancaria y de Valores y Banxico.</span>
</li>
<li style="margin:0pt 0pt 12pt 14.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">En 2025, el Banco llevó a cabo una emisión, en moneda nacional como obligaciones subordinadas de capital preferentes, no susceptibles de convertirse en acciones. Dicha emisión se hizo por un monto de $5,524 millones de pesos menos $21 de gastos de colocación con pago semestral de intereses a una tasa fija del 11.07%. Dicha emisión fue colocada en su totalidad el 30 de octubre, con una vigencia de diez años. Estas emisiones computan como capital complementario en la determinación del índice de capitalización, calculado conforme a las reglas de capitalización vigentes a dichas fechas, emitidas por la Comisión Nacional Bancaria y de Valores y Banxico.</span>
</li>
</ol>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023 los préstamos interbancarios y de otros organismos se integran a continuación:</span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:513pt">
<tr style="height:15pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:11.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:12pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:160.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt"> </span>
</p>
</td>
<td colspan="2" style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:79.9pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td colspan="2" style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:44.65pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td colspan="2" style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:50.95pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
<td style="vertical-align:top">
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:11.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:160.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:31.85pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> Corto</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:37.25pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Largo</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.8pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> Corto</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Largo</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.1pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> Corto</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Largo</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td colspan="2" style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:182.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Moneda Nacional:</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:31.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:37.25pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.8pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:11.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:160.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Banco de México</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:31.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:37.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> -</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:11.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:160.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Banca múltiple (exigibilidad inmediata)</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:31.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,300</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:37.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,007</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> -</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:11.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:160.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Banca de desarrollo</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:31.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,098</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:37.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,234</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,287</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> -</span>
</p>
</td>
</tr>
<tr style="height:15pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:11.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:160.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Fondos de fomento</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:31.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,957</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:37.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,654</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,325</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,235</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,422</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,956</span>
</p>
</td>
</tr>
<tr style="height:7.4pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:11.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:160.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:31.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:37.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:9.2pt">
<td colspan="2" style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:182.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Moneda extranjera valorizada:</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:31.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:37.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.1pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:14.2pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:11.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:160.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Banca Múltiple</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:31.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:37.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
</tr>
<tr style="height:14.2pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:11.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:160.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Banca de desarrollo</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:31.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">156</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:37.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">189</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">197</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> -</span>
</p>
</td>
</tr>
<tr style="height:14.2pt">
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:11.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:160.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Fondos de fomento</span><span style="font-family:Arial; font-size:6pt; vertical-align:super"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:31.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">153</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:37.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">50</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">133</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">185</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">235</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">346</span>
</p>
</td>
</tr>
<tr style="height:14.2pt">
<td colspan="2" style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:182.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Total por plazo</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:31.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,664</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:37.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,704</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5,881</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,420</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">12,148</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#000000; border-top-style:solid; border-top-width:1pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,302</span>
</p>
</td>
</tr>
<tr style="height:15.75pt">
<td colspan="2" style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:182.7pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total de préstamos interbancarios y de otros organismos</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:2.25pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:31.85pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">10,368</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:37.25pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:2.25pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:28.8pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">10,301</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:2.25pt; padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:35.1pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">15,450</span>
</p>
</td>
<td style="padding-left:5.4pt; padding-right:5.4pt; vertical-align:middle; width:38.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
</tr>
<tr style="height:0pt">
<td style="width:22.25pt; border:none">
</td>
<td style="width:171.25pt; border:none">
</td>
<td style="width:15.85pt; border:none">
</td>
<td style="width:42.65pt; border:none">
</td>
<td style="width:48.05pt; border:none">
</td>
<td style="width:15.85pt; border:none">
</td>
<td style="width:39.6pt; border:none">
</td>
<td style="width:46.25pt; border:none">
</td>
<td style="width:15.85pt; border:none">
</td>
<td style="width:45.9pt; border:none">
</td>
<td style="width:49.5pt; border:none">
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023 el promedio anual de tasas por préstamos interbancarios y de otros organismos se muestra a continuación:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt">
<tr style="height:14.25pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:9pt"> </span>
</p>
</td>
<td colspan="3" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; text-decoration:underline">Moneda nacional</span>
</p>
</td>
<td colspan="3" style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; text-decoration:underline">Moneda extranjera</span>
</p>
</td>
</tr>
<tr style="height:14.25pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; text-decoration:underline">2025</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; text-decoration:underline">2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; text-decoration:underline">2023</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; text-decoration:underline">2025</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; text-decoration:underline">2024</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; text-decoration:underline">2023</span>
</p>
</td>
</tr>
<tr style="height:21.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:9pt">Banca de Desarrollo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">9.60</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">12.40</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">13.18</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">1.34</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">1.46</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">1.92</span>
</p>
</td>
</tr>
<tr style="height:21.35pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:9pt">Fideicomisos públicos (Fondos de Fomento)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">8.00</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">11.08</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">10.81</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">4.35</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">4.82</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">4.12</span>
</p>
</td>
</tr>
<tr style="height:0pt">
<td style="width:184.1pt; border:none">
</td>
<td style="width:27.05pt; border:none">
</td>
<td style="width:29.55pt; border:none">
</td>
<td style="width:29.55pt; border:none">
</td>
<td style="width:27.35pt; border:none">
</td>
<td style="width:27.35pt; border:none">
</td>
<td style="width:27.35pt; border:none">
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Capital Contable </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El capital contable del banco al 31 de diciembre de 2025 fue de MXN86,173, incremento de MXN5,351 y 6.6% en comparación con el capital contable al 31 de diciembre de 2024.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El capital contable del banco al 31 de diciembre de 2024 fue de MXN80,822, incremento de MXN3,373 y 4.4% en comparación con el capital contable al 31 de diciembre de 2023.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:9pt; font-weight:bold; font-style:italic; -aw-sdt-tag:goog_rdk_157"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Créditos Fiscales </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023 HSBC México no ha mantenido créditos o adeudos fiscales relevantes. Cabe mencionar que las autoridades fiscales tienen derecho a revisar las declaraciones de impuestos presentadas por el Banco. De dichas revisiones, pudieran derivarse eventuales reclamaciones por cuestiones de interpretación, las cuales, en su caso, podrían ser impugnables.</span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:Arial; font-size:11pt">La Administración es responsable de mantener y revisar la efectividad de la gestión de riesgo y de los sistemas de control interno, así como de la determinación de la naturaleza y el impacto de los riesgos significativos dispuestos a tomar para alcanzar </span><span style="font-family:Arial; font-size:11pt">sus objetivos estratégicos. Para cumplir con el requerimiento y con sus obligaciones marcadas por los reguladores, la Administración ha diseñado los procedimientos para salvaguardar los activos del uso o disposición no autorizados; para mantener registros contables adecuados; y para asegurar la confiabilidad y utilidad de la información financiera, tanto para fines del negocio como para publicación. Dichos procedimientos pueden proveen una certeza razonable más no absoluta en la prevención de errores, pérdidas o fraudes materiales.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Los procedimientos clave para la administración de riesgo y control interno de HSBC incluyen lo siguiente:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:6pt 0pt 5pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Estándares de Grupo. Los estándares de administración de reporte funcional, operativo y financiero son establecidos por comités de administración de la función global, para su aplicación a través de HSBC. Dichos estándares se complementan con estándares operativos establecidos por la administración funcional y local conforme a lo que se requiera por el tipo de negocio y la ubicación geográfica de cada subsidiaria.</span>
</li>
<li style="margin:6pt 0pt 5pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Delegación de autoridad dentro de los límites establecidos por el Consejo de Administración. La autoridad es delegada dentro de los límites establecidos por el Consejo de Administración para cada Director General con el fin de gestionar los asuntos del día a día sobre el negocio o función del cual es responsable. La autoridad delegada por el Consejo de Administración requiere que los individuos mantengan un claro y apropiado reparto de responsabilidades significativas y supervisen la implementación y mantenimiento de los sistemas de control que sean apropiados para su negocio o función. Los nombramientos para los puestos más altos dentro de HSBC requieren aprobación del Consejo de Administración.</span>
</li>
<li style="margin:6pt 0pt 5pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Identificación de riesgos y monitoreo. Sistemas y procedimientos son implementados para identificar, controlar e informar sobre los riesgos relevantes que comprenden: crédito, mercado, liquidez y financiamiento, capital, administración financiera, modelos, reputacional, pensiones, estratégico, sustentabilidad, operacional y de seguros. La exposición a los riesgos es supervisada por el Comité de Riesgos, el Comité de Activos y Pasivos (ALCO) y por el Comité Ejecutivo (EXCO). Los temas de administración de activos, pasivos y capital se monitorean por el ALCO. Los modelos de riesgo son monitoreados por el Comité de supervisión de modelos.</span>
</li>
<li style="margin:6pt 0pt 5pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Taxonomía de Riesgo. Para ayudar a garantizar que la categorización de riesgos no financieros u operacionales sea consistente y comparable en todo el Grupo, se emplea un conjunto estandarizado de tipos de riesgos no financieros u operacionales conocidos como la taxonomía del riesgo de HSBC. Las categorías de riesgos no financieros u operacionales a Nivel 1 son: </span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Riesgo Fiscal y de Reporte Financiero.</span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Riesgo de Resiliencia.</span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Riesgo de Crimen Financiero.</span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Riesgo de Personas.</span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Riesgo de Cumplimiento Regulatorio.</span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Riesgo Legal.</span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Riesgo de Modelo.</span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:5pt 0pt 6pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">A cada riesgo no financiero u operacional a Nivel 1 se le asigna un Administrador de Riesgo responsable de la evaluación holística y la supervisión de ese riesgo. El Administrador de Riesgo de cada riesgo Nivel 1 debe definir e implementar, según sea necesario, un enfoque más detallado para la administración día a día del riesgo Nivel 1 específico. Ciertos tipos de riesgo Nivel 1 tienen subclasificaciones a Nivel 2 y Nivel 3 que facilitan la administración de riesgos a nivel más granular. En caso de que se identifiquen riesgos financieros u operacionales que no entren en la definición de las taxonomías listas, estos se clasifican para Nivel 1 de la taxonomía como “Otros”.</span>
</li>
<li style="margin:5pt 0pt 6pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Responsabilidad de Administración de Riesgos. La administración de los negocios y funciones globales son los principales responsables de la medición, monitoreo, mitigación y administración de sus riesgos y controles. Se han establecido procesos para asegurar que las debilidades son escaladas y dirigidas a la Dirección, soportadas por el modelo de Tres Líneas de Defensa.</span>
</li>
<li style="margin:5pt 0pt 6pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Administración Funcional. La administración funcional global es responsable de establecer políticas, procedimientos y estándares para los distintos tipos de riesgo.</span>
</li>
<li style="margin:5pt 0pt 6pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Planes Estratégicos. Planes estratégicos son preparados periódicamente para los negocios globales, funciones globales dentro del marco de la estrategia de HSBC. El Plan Anual Operativo es determinado a través de un análisis detallado de apetito de riesgo que describe los tipos y la cantidad de riesgo que HSBC está dispuesto a tomar en la ejecución de la estrategia, es preparado y adoptado por HSBC, estableciendo las iniciativas claves del negocio, así como los probables efectos financieros de estas iniciativas.</span>
</li>
<li style="margin:5pt 0pt 6pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Reporte Financiero. El proceso de reporte financiero para preparar el Reporte Anual consolidado se controla utilizando políticas contables documentadas y formatos de reporte, soportados por un catálogo de cuentas con instrucciones detalladas y la guía en requerimientos de reporte, emitidos por Finanzas Grupo antes de cada cierre de periodo. La entrega de información financiera está sujeta a la Certificación del Director de Finanzas, y los procedimientos de revisión analítica.</span>
</li>
<li style="margin:5pt 0pt 6pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Operaciones de IT. Un control funcional centralizado es ejercido sobre los desarrollos de IT y operaciones. Se emplean sistemas comunes para procesos de negocio similares cuando sea factible.</span>
</li>
<li style="margin:5pt 0pt 6pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Auditoría Interna. La Administración es responsable de establecer y mantener sistemas de administración de riesgos y de control interno apropiados. La función global de Auditoría Interna; que es controlada centralmente, proporciona la seguridad de independencia y objetividad con respecto al monitoreo de la efectividad de diseño y operativa del marco de administración de riesgos, control y gobierno de procesos en la Entidad, enfocándose en las áreas que representan mayor riesgo para HSBC, las cuales son determinadas con base a una evaluación de los riesgos. El responsable de esta función reporta al Comité de Auditoría y administrativamente al Director General.</span>
</li>
<li style="margin:5pt 0pt 6pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Recomendaciones de Auditoría Interna. La Dirección ejecutiva es responsable de asegurar que las recomendaciones de Auditoría Interna sean implementadas </span><span style="font-family:Arial; font-size:11pt">dentro de un tiempo razonable y acordado. La confirmación de dicha implementación deberá proporcionarse a Auditoría Interna.</span>
</li>
<li style="margin:5pt 0pt 6pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Recomendaciones de Auditoría Externa. La Administración también es responsable de implementar las medidas apropiadas para hacer frente a las recomendaciones formuladas por Auditores Externos o por los Reguladores.</span>
</li>
<li style="margin:5pt 0pt 6pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Riesgo Reputacional. Políticas para guiar a la administración en todos niveles en la conducción del negocio para salvaguardar la reputación de HSBC son establecidas por el Consejo de Administración y sus comités, los Consejos de Administración de las compañías subsidiarias y sus comités y la administración. Los riesgos reputacionales pueden surgir de una variedad de causas incluyendo cuestiones ambientales, sociales y de gobierno, como consecuencia de eventos de riesgo operacional y como resultado que los empleados actúen de manera inconsistente con los valores de HSBC. La reputación de HSBC depende de la forma en que se lleva a cabo sus negocios y puede verse afectada por la forma en que los clientes, a los que proporciona servicios financieros, llevan a cabo sus negocios o utilizan los productos y servicios financieros.</span>
</li>
</ul>
<p style="margin:5pt 0pt 6pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Comité de Auditoría y Riesgos revisa la efectividad del sistema de control interno e informa periódicamente al Consejo de Administración sobre lo anterior. Los principales procesos utilizados por el Comité en el desempeño de sus revisiones incluyen: informes periódicos de los responsables de las funciones con riesgos clave, revisiones anuales del marco de control interno, abarcando los controles tanto financieros como no financieros, confirmaciones periódicas de la Administración de que no se han presentado pérdidas materiales, contingencias o incertidumbre causadas por deficiencias en los controles internos, informes de Auditoría Interna, informes de Auditoría Externa, otras revisiones de carácter prudencial y los informes Regulatorios.</span>
</p>
<p style="margin:5pt 0pt 6pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Comité de Riesgos monitorea el estatus de los riesgos significativos y emergentes y considera si las acciones de mitigación puestas en marcha son apropiadas. Adicionalmente, cuando surgen pérdidas inesperadas o se han producido incidentes que indican deficiencias en el marco de control o en el cumplimiento de políticas de HSBC, revisa reportes especiales preparados a solicitud de la administración, en los cuales se analiza la causa del problema, las lecciones aprendidas y las acciones propuestas por la administración para abordar el problema.</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">La Administración, a través del Comité de Auditoría y Riesgos, ha conducido una revisión anual de la efectividad del sistema de administración de riesgos y control interno, cubriendo todos los controles materiales, incluyendo financieros, operacionales, de cumplimiento, sistemas de administración de riesgo, la adecuación de los recursos, calificaciones y experiencia del personal de contabilidad y reporte financiero, la función de riesgos, y los programas de entrenamiento y el presupuesto.</span>
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<span style="font-family:Arial; font-size:11pt">La preparación de los estados financieros consolidados requiere que la Administración efectúe estimaciones y suposiciones que afectan los importes registrados de activos y pasivos y la revelación de activos y pasivos contingentes a la fecha de los estados financieros consolidados, así como los importes registrados de ingresos y gastos </span><span style="font-family:Arial; font-size:11pt">durante el ejercicio. Los rubros importantes sujetos a estas estimaciones y suposiciones incluyen el valor en libros de la depreciación, juicios y litigios, inversiones en instrumentos financieros, operaciones con valores e instrumentos financieros derivados (IFD), estimación preventiva para riesgos crediticios, obligaciones laborales al retiro, impuestos a la utilidad diferidos y la provisión de los gastos del programa de lealtad ofrecido a los clientes de cartera de crédito de la Institución. Los resultados reales pueden diferir de estas estimaciones y suposiciones.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">1. Depreciación</span>
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<span style="font-family:Arial; font-size:11pt">Es el proceso de distribuir sistemáticamente el costo de un activo fijo (como maquinaria, equipo, edificios, etc.) a lo largo de su vida útil estimada. Este proceso refleja el desgaste, uso o la obsolescencia del activo, reconociendo periódicamente una parte de su valor como gasto en los estados financieros.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">La depreciación se calcula usando el método de línea recta, de acuerdo con la vida útil estimada de los activos correspondientes y sobre los valores actualizados del activo (costo de adquisición menos su valor residual y pérdidas por deterioro acumuladas).</span>
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<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">2. Juicios y Litigio</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic"> </span>
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<span style="font-family:Arial; font-size:11pt">El Banco se encuentra involucrado en varios juicios y reclamaciones, derivados del curso normal de sus operaciones, que no se espera tengan un efecto importante en su situación financiera, ni en sus resultados futuros de operación. De conformidad con la NIF C-9 “Provisiones, contingencias y compromisos”, el Banco clasifica sus obligaciones legales en:</span>
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<span style="font-family:Arial; font-size:11pt">• Probable: cuando la eventualidad de que ocurra el suceso futuro es alta (probabilidad de pérdida mayor al 50%);</span>
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<span style="font-family:Arial; font-size:11pt">• Posible: la eventualidad de que ocurra el suceso futuro es más que remota, pero menos que probable (probabilidad de pérdida mayor al 5% y menor al 50%);</span>
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<span style="font-family:Arial; font-size:11pt">• Remota: la eventualidad de que ocurra el suceso futuro es baja (probabilidad de pérdida no mayor al 5%).</span>
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<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">3. Inversiones en valores, IFD y reportos </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Un IFD es un instrumento financiero independiente u otro contrato cuyo valor cambia en atención a cambios en el precio de su subyacente, no requiere generalmente una inversión neta inicial y será liquidado en una fecha futura.</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">La distinción básica entre los otros instrumentos financieros y los IFD es que estos últimos permiten participar en los cambios en el valor del subyacente sin tener que poseer un activo o asumir una deuda; por lo tanto, la mayoría de los IFD no requieren una inversión inicial neta.</span>
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<span style="font-family:Arial; font-size:11pt">Los IFD pueden utilizarse con fines de negociación o con fines de cobertura. Cuando son contratados con fines de negociación se mantienen con la intención de obtener ganancias basadas en los cambios en su valor razonable. Cuando la intención es utilizarlos con fines de cobertura, éstos tienen el objeto de compensar o transformar el perfil de uno o varios de los riesgos generados por una partida cubierta. Dichos instru</span><span style="font-family:Arial; font-size:11pt">­</span><span style="font-family:Arial; font-size:11pt">mentos, se reconocen inicialmente a valor razonable como activos o pa</span><span style="font-family:Arial; font-size:11pt">­</span><span style="font-family:Arial; font-size:11pt">sivos financieros dependiendo de los derechos y/u obligaciones establecidas. Los costos de transacción que se paguen deben afectar el rubro “Resultados por Intermediación” dentro del estado de resultados integral cuando se incurren.</span>
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<span style="font-family:Arial; font-size:11pt">Con fines de negociación</span>
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<span style="font-family:Arial; font-size:11pt">Se valúan subsecuentemente a su valor razonable, reconociendo dicho efecto de valuación en el estado de resultados integral en el rubro “Resultado por intermedia</span><span style="font-family:Arial; font-size:11pt">­</span><span style="font-family:Arial; font-size:11pt">ción”. Adicionalmente, en el mismo rubro se reconoce el resultado de compra-venta que se genera al momento de la enajenación de un IFD, y la pérdida por deterioro de los derechos establecidos en los IFD, así como el efecto por su reversión.</span>
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<span style="font-family:Arial; font-size:11pt">Con fines de cobertura</span>
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<span style="font-family:Arial; font-size:11pt">La finalidad de la contabilidad de las relaciones de cobertura es reflejar, en los estados financieros de la entidad, el efecto de las actividades de administración para cubrir ciertos riesgos de la entidad, mediante el uso de instrumentos financieros que administran las exposiciones de ciertos riesgos que pueden afectar el resultado integral (ya sea, la utilidad o pérdida neta o el ORI).</span>
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<span style="font-family:Arial; font-size:11pt">Tipo de relaciones de contabilidad de coberturas</span>
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<span style="font-family:Arial; font-size:11pt">Cobertura de valor razonable</span><span style="font-family:Arial; font-size:11pt; font-style:italic">: </span><span style="font-family:Arial; font-size:11pt">cubre la exposición a los cambios en el valor razonable de un activo o pasivo reconocido o de un compromiso en firme no reconocido, o un componente de alguna de las partidas anteriores, o una exposición agregada, que sea atribuible a uno o más riesgos en particular, y afecta la utilidad o pérdida neta del periodo;</span>
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<span style="font-family:Arial; font-size:11pt">Cobertura de flujos de efectivo: cubre la exposición a la variabilidad de flujos de efectivo atribuible a un riesgo particular asociado con un activo o pasivo reconocido (tal como la totalidad o una parte de los pagos futuros de intereses de una deuda con tasa variable), un portafolio o un componente de los mismos, o una o varias transacciones pronosticadas altamente probables o porciones de éstas, o una exposición agregada; </span>
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<span style="font-family:Arial; font-size:11pt">Cobertura de una inversión neta en una operación extranjera: cubre la exposición al importe de participación de la entidad informante en los activos netos de una operación extranjera.</span>
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<span style="font-family:Arial; font-size:11pt">Tanto para la designación del instrumento de cobertura, como la partida cubierta se deben cumplir con lo establecido en la NIF C-10, Instrumentos Financieros Derivados y Relaciones de Cobertura, donde se establecen los requisitos para la contabilidad de coberturas, siendo entre otros: la alineación de la estrategia de administración de riesgos de la entidad, cubrir solo partidas calificables con instrumentos financieros derivados calificables, designación formal de la cobertura, medición de la efectividad y documentación necesaria para su formalización. Asimismo, para la contabilidad de coberturas, se deben considerar los criterios particulares para la Cobertura de valor razonable por riesgo de tasa de interés de una porción de un portafolio compuesto por activos financieros o pasivos financieros establecidos en el criterio contable A-2, Aplicación de Normas Particulares de los Criterios Contables.</span>
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<span style="font-family:Arial; font-size:11pt">En las coberturas de valor razonable, tanto el IFD de cobertura, como la partida cubierta, se valúan a valor razonable y las fluctuaciones en valuación se registran en resultados en el mismo renglón de la posición que cubren. En las coberturas de flujo de efectivo, la porción efectiva de la ganancia o pérdida se aloja temporalmente en el ORI y se reclasifica a resultados cuando la posición que cubre afecte el estado de resultados integral. La porción inefectiva se reconoce de inmediato en el estado de resultados integral como parte del “Resultado por intermediación”.</span>
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<span style="font-family:Arial; font-size:11pt">Instrumentos Financieros Derivados crediticios</span>
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<span style="font-family:Arial; font-size:11pt">Son contratos que implican la celebración de una o varias operaciones con instrumentos financieros derivados, con el objeto de asumir o reducir la exposición al riesgo de crédito en activos financieros como créditos o valores. La transferencia del riesgo en este tipo de operaciones puede ser de forma total o parcial.</span>
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<span style="font-family:Arial; font-size:11pt">En este tipo de operaciones, una de las partes recibe el derecho o asume la obligación de recibir o entregar, según sea el caso, los intereses o cualquier otro tipo de rendimientos inherentes a los activos financieros, e inclusive en algunas operaciones se puede pactar que una de las partes se obligue a pagar a la otra las cantidades que no hubieran sido cubiertas por incumplimiento del emisor de los activos financieros, aunque la parte receptora no sea directamente la beneficiaria de los flujos de efectivo, sobre dichos activos financieros. Como contraprestación, se asume el derecho u obligación de recibir o pagar intereses o rendimientos fijos o variables, previamente determinados.</span>
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<span style="font-family:Arial; font-size:11pt">Los instrumentos financieros derivados crediticios pueden ser de dos tipos: i) los instrumentos financieros derivados de incumplimiento crediticio que son contratos en los que únicamente se transfiere a la contraparte el riesgo de incumplimiento en activos financieros, tales como en operaciones de crédito o en la amortización anticipada de títulos; </span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) los instrumentos financieros derivados de rendimiento total que corresponden a contratos en los que además de intercambiar flujos de intereses o rendimientos inherentes a activos financieros, tales como una operación crediticia o emisión de títulos, se transfieren el riesgo de mercado y de crédito de estos.</span>
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<span style="font-family:Arial; font-size:11pt">Operaciones estructuradas y paquetes de instrumentos financieros derivados</span>
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<span style="font-family:Arial; font-size:11pt">En las operaciones estructuradas se tiene un contrato principal referido a activos o pasivos no derivados y una porción derivada representada por uno o más instrumentos financieros derivados. Las porciones derivadas de operaciones estructuradas no constituyen instrumentos financieros derivados implícitos, sino instrumentos financieros derivados independientes. Estas operaciones están amparadas bajo un solo contrato.</span>
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<span style="font-family:Arial; font-size:11pt">Para llevar a cabo operaciones de cobertura con instrumentos estructurados, el Banco requiere previamente contar con la autorización expresa de la Comisión Bancaria.</span>
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<span style="font-family:Arial; font-size:11pt">Por su parte, los paquetes de instrumentos financieros derivados interactúan entre sí en una sola operación, sin alguna porción que no reúna todas las características de un instrumento financiero derivado. </span>
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<span style="font-family:Arial; font-size:11pt">Aspectos generales de los IFD</span>
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<span style="font-family:Arial; font-size:11pt">Los valores razonables de los instrumentos financieros derivados se determinan con base en técnicas formales de valuación utilizadas por el “proveedor de precios” (o, en su caso, mediante modelos de valuación interna en términos de lo señalado por las Disposiciones). Los paquetes de IFD que cotizan en algún mercado reconocido como un sólo instrumento financiero, se reconocen y valúan de manera conjunta (es decir sin desagregar cada instrumento financiero derivado en forma individual), mientras que los paquetes de IFD no cotizados en algún mercado reconocido se reconocen y valúan de manera desagregada por cada instrumento financiero derivado que conforme dichos paquetes.</span>
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<span style="font-family:Arial; font-size:11pt">Para el caso de IFD cotizados en mercados o bolsas reconocidos, se considera que han expirado los dere</span><span style="font-family:Arial; font-size:11pt">­</span><span style="font-family:Arial; font-size:11pt">chos y obligaciones relativos a los mismos cuando se cierre la posición de riesgo, es decir, cuando se efec</span><span style="font-family:Arial; font-size:11pt">­</span><span style="font-family:Arial; font-size:11pt">túe en dicho mercado o bolsa un derivado de naturaleza contraria con las mismas características.</span>
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<span style="font-family:Arial; font-size:11pt">Respecto a los IFD no cotizados en mercados o bolsas reconocidos se considera que han expirado los derechos y obligaciones relativos a los mismos cuando llegan al vencimiento; se ejercen los derechos por alguna de las partes, o bien, se ejercen dichos derechos de manera anticipada por las partes de acuerdo con las condiciones establecidas en el mismo y se liquiden las contraprestaciones pactadas.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Reportos </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">El Banco actuando como reportada reconoce la entrada del efectivo o equivalentes de efectivo o bien una cuenta liquidadora deudora, así como una cuenta por pagar en el rubro de “Acreedores por reporto” por el precio pactado, que representa la obligación de restituir dicho efectivo a la reportadora. Los activos financieros dados en colateral se presentan como 7s en el estado de situación financiera. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Cuando el Banco actúa como reportadora reconoce la salida de efectivo y equivalentes de efectivo, o bien una cuenta liquidadora acreedora, registrando una cuenta por cobrar en el rubro de “Deudores por Reporto”, por el precio pactado, que representa el derecho a recuperar el efectivo entregado. Los colaterales recibidos se reconocen en cuentas de orden y se valúan a valor razonable. </span>
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<span style="font-family:Arial; font-size:11pt">A lo largo de la vida del reporto los “Deudores o Acreedores por Reporto” según corresponda, se valúan a su costo amortizado mediante el reconocimiento del interés por reporto, de acuerdo al método de interés efectivo, en el estado de resultados integral en el rubro de “Ingreso o Gasto por intereses”, según corresponda. </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Asimismo, en los casos en que el Banco vende el colateral o lo da en garantía reconoce en una cuenta por pagar en el rubro de “Colaterales vendidos o dados en garantía” por la obligación de restituir el colateral a la reportada al precio pactado, y posteriormente lo valúa a su valor razonable, o a su costo amortizado, en caso de que sea dado en garantía en otra operación de reporto; adicionalmente se registra en cuentas de orden en el rubro de “Colaterales recibidos y vendidos o entregados en garantía”, el control de dichos colaterales </span><span style="font-family:Arial; font-size:11pt">valuándolos</span><span style="font-family:Arial; font-size:11pt"> a su valor razonable</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">4. Estimación preventiva para riesgos crediticios </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">De acuerdo con los criterios contables, el monto de la estimación preventiva para riesgos crediticios se determina con base en las diferentes metodologías establecidas o autorizadas por la Comisión Bancaria para cada tipo de crédito y nivel de riesgo de crédito mediante las Disposiciones. Dichas estimaciones se calculan y constituyen bajo un esquema de pérdidas esperadas, calificando desde su reconocimiento inicial los créditos de su cartera crediticia con base en el criterio de incremento significativo del riesgo crediticio. Este criterio se aplica desde el momento de la </span><span style="font-family:Arial; font-size:11pt">originación</span><span style="font-family:Arial; font-size:11pt"> y durante toda la vida del crédito, aun cuando este sea renovado o reestructurado.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">La estimación de las pérdidas esperadas se realiza considerando 3 etapas dependiendo del nivel de deterioro crediticio de los activos, siendo la etapa 1 aquella que incorporará los instrumentos financieros cuyo riesgo crediticio no se ha incrementado de manera significativa desde su reconocimiento inicial y la estimación deberá constituirse por un periodo de 12 meses; la etapa 2 incorpora los instrumentos en los que se presenta un incremento significativo en el riesgo crediticio desde su reconocimiento inicial y finalmente, la etapa 3 engloba los instrumentos en los que existe una evidencia objetiva de deterioro.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Para determinar la estimación preventiva de riesgo de crédito la Institución utilizó la metodología general con Enfoque Estándar de acuerdo con las reglas y procedimiento establecidos en las Disposiciones por la Comisión Bancaria para cada tipo de cartera:</span><span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Cartera de Crédito Consumo</span>
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<span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">El Banco al calificar la Cartera de Crédito al Consumo la separa en dos grupos, en razón de si se refiere a Operaciones de Tarjeta de Crédito y Otros Créditos Revolventes, así como la Cartera Crediticia de Consumo no Revolvente, considerando para el cálculo de las Estimaciones Preventivas para Riesgos Crediticios, la Probabilidad de Incumplimiento, la Severidad de la Pérdida y la Exposición al Incumplimiento.</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Estimación de Cartera Crediticia de Consumo no Revolvente (créditos Adquisición Bienes de Consumo Duradero (ABCD), Auto, Nómina, Personal y Otros).</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">Para aquellos créditos clasificados en Etapa 1 o Etapa 3 de acuerdo, el porcentaje que se utilice para determinar las Estimaciones a constituir por cada crédito será el resultado de multiplicar la Probabilidad de Incumplimiento por la Severidad de la Pérdida y este resultado, por la Exposición al Incumplimiento. </span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<img 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</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">Para aquellos créditos clasificados en Etapa 2, la estimación de reservas para la vida completa de créditos con pago de capital e intereses periódicos se calcula de la siguiente forma:</span>
</p>
<p style="margin:0pt 0pt 0pt 25.2pt">
<img 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" width="625" height="91" alt="A close-up of a mathematical equation

AI-generated content may be incorrect." style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
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<p style="margin:0pt 0pt 8pt 25.2pt; line-height:108%; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">La Estimación de Provisiones para la vida completa de créditos con una sola amortización al vencimiento de capital e intereses o una sola amortización de capital al vencimiento y pago periódico de intereses, se calcula de la siguiente forma:</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<img 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" width="463" height="51" alt="A black and blue math equations

AI-generated content may be incorrect." style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">El monto de reservas para los créditos en etapa 2 será el resultado de:</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<img 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" 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</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">El monto total de provisiones a constituir por el Banco para esta cartera, es igual a la sumatoria de las Estimaciones de cada crédito.</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt; text-indent:-25.2pt; padding-left:25.2pt">
<span style="font-family:Arial; font-size:11pt">i.</span><span style="width:19.7pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Determinación de la Probabilidad de Incumplimiento y de la Severidad de la Pérdida</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">La Probabilidad de Incumplimiento y la Severidad de la Pérdida de los créditos de la Cartera Crediticia de Consumo no Revolvente se determinan considerando lo señalado en la Disposiciones para las diferentes carteras.</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt; text-indent:-25.2pt; padding-left:25.2pt">
<span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">.</span><span style="width:17.26pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Determinación de la Exposición al Incumplimiento</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">La Exposición al Incumplimiento (Eli) de cada crédito de la Cartera Crediticia de Consumo no Revolvente es igual al Saldo del Crédito al momento de la calificación de la cartera, conforme a la fórmula siguiente:</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt; font-style:italic">EIi</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> = Si</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">Tratándose de créditos reestructurados, el Banco realiza el cómputo de las ciertas variables incluyendo el historial de pagos del acreditado anterior a la reestructuración. En el caso de que una reestructura consolide diversos créditos de un acreditado en uno solo, el cálculo de las estimaciones considera el historial de las variables que conforme a la metodología de calificación corresponda al crédito reestructurado con mayor deterioro.</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Estimación de Cartera Crediticia de Consumo correspondiente a operaciones de tarjeta de crédito y otros créditos revolventes.</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">El Banco califica y constituye la Estimación preventiva de dicha cartera, crédito por crédito, con las cifras correspondientes al último Periodo de Pago conocido con cifras al último día de cada mes:</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">Para aquellos créditos clasificados en Etapa 1 o 3:</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
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</p>
<p style="margin:0pt 0pt 8pt 25.2pt; line-height:108%; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Para aquellos créditos clasificados en Etapa 2:</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<img 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" width="590" height="57" alt="" style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">Donde el monto de la Estimación Preventiva para los créditos en Etapa 2 es:</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<img 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U5ErkJggg==" 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<p style="margin:0pt 0pt 12pt 25.2pt; text-indent:-25.2pt; padding-left:25.2pt">
<span style="font-family:Arial; font-size:11pt">i.</span><span style="width:19.7pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Determinación de la Probabilidad de Incumplimiento y de la Severidad de la Pérdida</span>
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<p style="margin:0pt 0pt 12pt 28.8pt">
<span style="font-family:Arial; font-size:11pt">El Banco calcula la Probabilidad de Incumplimiento y la Severidad de la Pérdida dependiendo del número de impagos en periodos consecutivos inmediatos anteriores a la fecha de cálculo, siguiendo los procedimientos de las Disposiciones.</span>
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<span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">.</span><span style="width:17.26pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Determinación de la Exposición al Incumplimiento</span>
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<p style="margin:0pt 0pt 12pt 28.8pt">
<span style="font-family:Arial; font-size:11pt">La </span><span style="font-family:Arial; font-size:11pt; font-style:italic">EIi</span><span style="font-family:Arial; font-size:11pt"> de cada crédito de la Cartera Crediticia de Consumo Revolvente donde el Saldo del Crédito al momento de la calificación de la cartera, es mayor o igual al Límite de Crédito, se calcula conforme a la fórmula siguiente:</span>
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<span style="font-family:Arial; font-size:11pt; font-style:italic">EIi</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> = Si</span>
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<span style="font-family:Arial; font-size:11pt">Para aquellos créditos donde </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Si</span><span style="font-family:Arial; font-size:11pt"> sea menor que el Límite de Crédito, la Exposición al Incumplimiento se calculará conforme a lo siguiente:</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<img 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" 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</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Coberturas por Riesgo Crediticio</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">El Banco reconoce en la estimación de la Severidad de la Pérdida de los créditos, las garantías reales financieras, garantías mobiliarias inscritas a su favor en el registro único de garantías mobiliarias, así como las garantías personales y Seguros de Crédito, con la finalidad de disminuir las Estimaciones Preventivas derivadas de la calificación de cartera de los créditos.</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">El Banco reconoce como garantías:</span>
</p>
<p style="margin:0pt 0pt 12pt 49.7pt; text-indent:-25.2pt">
<span style="font-family:Arial; font-size:11pt">•</span><span style="font:7.0pt 'Times New Roman'">     </span><span style="font-family:Arial; font-size:11pt">Aquellas garantías reales admisibles que cumplen con los requisitos establecidos en las Disposiciones. El reconocimiento de las garantías mobiliarias inscritas en su favor en el registro único de garantías mobiliarias al </span><span style="font-family:Arial; font-size:11pt">que se refiere el Código de Comercio, se realiza separando cada crédito en la parte cubierta y la parte descubierta por dichas garantías según corresponda.</span>
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<p style="margin:0pt 0pt 12pt 49.7pt; text-indent:-25.2pt">
<span style="font-family:Arial; font-size:11pt">•</span><span style="font:7.0pt 'Times New Roman'">     </span><span style="font-family:Arial; font-size:11pt">Aquellas garantías personales y seguros de crédito otorgados por personas morales y que cumplan con los requisitos establecidos en las Disposiciones.</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">Las garantías personales pueden reconocerse bajo el esquema de Paso y Medida o por portafolios definidos bajo esquemas de Primeras Pérdidas.</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Estimación de Cartera de Crédito a la Vivienda</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">El Banco califica su Cartera de Crédito a la Vivienda, considerando la Probabilidad de Incumplimiento, la Severidad de la Pérdida y la Exposición al Incumplimiento, constituyendo y registrando en su contabilidad la Estimación preventiva correspondiente con cifras al último día de cada mes. </span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">Para aquellos créditos clasificados en Etapa 1 y Etapa 3:</span>
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<img 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<span style="font-family:Arial; font-size:11pt">Para aquellos créditos clasificados en Etapa 2 para la vida completa de créditos con pago de capital e intereses periódicos:</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<img 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" width="576" height="65" alt="" style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">El monto de la Estimación para los créditos en Etapa 2 será el resultado de:</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<img src="data:image/png;base64,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" 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<p style="margin:0pt 0pt 12pt 25.2pt; text-indent:-25.2pt; padding-left:25.2pt">
<span style="font-family:Arial; font-size:11pt">i.</span><span style="width:19.7pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Determinación de la Probabilidad de Incumplimiento y de la Severidad de la Pérdida</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">El Banco calcula la Probabilidad de Incumplimiento y la Severidad de la Pérdida dependiendo del número de impagos en periodos consecutivos inmediatos anteriores a la fecha de cálculo, siguiendo los procedimientos de las Disposiciones.</span>
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<p style="margin:0pt 0pt 12pt 25.2pt; text-indent:-25.2pt; padding-left:25.2pt">
<span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">.</span><span style="width:17.26pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Determinación de la Exposición al Incumplimiento</span>
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<span style="font-family:Arial; font-size:11pt">La </span><span style="font-family:Arial; font-size:11pt; font-style:italic">EIi</span><span style="font-family:Arial; font-size:11pt"> de cada crédito de la Cartera a la Vivienda es igual al Saldo del Crédito al momento de la calificación de la cartera, conforme a la fórmula siguiente:</span>
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<p style="margin:0pt 0pt 12pt 28.8pt">
<span style="font-family:Arial; font-size:11pt; font-style:italic">EIi</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> = Si</span>
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<span style="font-family:Arial; font-size:11pt; font-style:italic">Coberturas por Riesgo Crediticio</span>
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<p style="margin:0pt 0pt 12pt 25.25pt">
<span style="font-family:Arial; font-size:11pt">El Banco reconoce como garantías:</span>
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<p style="margin:0pt 0pt 12pt 50.4pt; text-indent:-25.2pt">
<span style="font-family:Arial; font-size:11pt">•</span><span style="font:7.0pt 'Times New Roman'">               </span><span style="font-family:Arial; font-size:11pt">Aquellas garantías reales admisibles que cumplen con los requisitos establecidos en las Disposiciones. El reconocimiento de las garantías mobiliarias inscritas en su favor en el registro único de garantías mobiliarias al que se refiere el Código de Comercio, se realiza separando cada crédito en la parte cubierta y la parte descubierta por dichas garantías según corresponda.</span>
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<p style="margin:0pt 0pt 12pt 50.4pt; text-indent:-25.2pt">
<span style="font-family:Arial; font-size:11pt">•</span><span style="font:7.0pt 'Times New Roman'">               </span><span style="font-family:Arial; font-size:11pt">Aquellas garantías personales y Seguros de Crédito otorgadas por personas morales y cumplan con los requisitos establecidos en las Disposiciones utilizando los procedimientos señalados en las propias Disposiciones. Para todos los casos, se reconoce una lo parte cubierta y una expuesta.</span>
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<p style="margin:0pt 0pt 12pt 25.25pt">
<span style="font-family:Arial; font-size:11pt">Las garantías personales pueden reconocerse bajo el esquema de Paso y Medida o por portafolios definidos bajo esquemas de Primeras Pérdidas.</span>
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<p style="margin:0pt 0pt 12pt 25.25pt">
<span style="font-family:Arial; font-size:11pt">El esquema de cobertura en Paso y Medida y el esquema de cobertura de Primeras Pérdidas están debidamente otorgados en la forma y términos establecidos en las disposiciones legales aplicables.</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Estimación de Cartera Crediticia Comercial</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">El Banco previo a la calificación de los créditos de su Cartera Crediticia Comercial, clasifica cada uno de los créditos en alguno de los siguientes grupos, según sean otorgados a:</span>
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<p style="margin:0pt 0pt 12pt 28.35pt; text-indent:-21.3pt; padding-left:21.3pt">
<span style="font-family:Arial; font-size:11pt">•</span><span style="width:17.45pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Entidades federativas y municipios.</span>
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<p style="margin:0pt 0pt 12pt 28.35pt; text-indent:-21.3pt; padding-left:21.3pt">
<span style="font-family:Arial; font-size:11pt">•</span><span style="width:17.45pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Proyectos con fuente de pago propia.</span>
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<p style="margin:0pt 0pt 12pt 28.35pt; text-indent:-21.3pt; padding-left:21.3pt">
<span style="font-family:Arial; font-size:11pt">•</span><span style="width:17.45pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Fiduciarios que actúen al amparo de fideicomisos, no incluidos en la fracción anterior, así como esquemas de crédito comúnmente conocidos como “estructurados”.</span>
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<p style="margin:0pt 0pt 12pt 28.35pt; text-indent:-21.3pt; padding-left:21.3pt">
<span style="font-family:Arial; font-size:11pt">•</span><span style="width:17.45pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Entidades financieras.</span>
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<p style="margin:0pt 0pt 12pt 28.35pt; text-indent:-21.3pt; padding-left:21.3pt">
<span style="font-family:Arial; font-size:11pt">•</span><span style="width:17.45pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Personas morales no incluidas en los puntos anteriores y físicas con actividad empresarial.</span>
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<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="width:24.45pt; text-indent:0pt; display:inline-block; -aw-tabstop-align:left; -aw-tabstop-pos:49.65pt"></span><span style="font-family:Arial; font-size:11pt">A su vez, este grupo deberá dividirse en los siguientes subgrupos:</span>
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<p style="margin:0pt 0pt 12pt 70.9pt; text-indent:-18pt">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Con ingresos netos o ventas netas anuales menores al equivalente en moneda nacional a 14 millones de </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">.</span>
</p>
<p style="margin:0pt 0pt 12pt 70.9pt; text-indent:-18pt">
<span style="font-family:Arial; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Con Ingresos Netos o Ventas Netas anuales iguales o mayores al equivalente en moneda nacional a 14 millones de </span><span style="font-family:Arial; font-size:11pt">UDIs</span><span style="font-family:Arial; font-size:11pt">.</span>
</p>
<p style="margin:0pt 0pt 10pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">El Banco mensualmente califica, constituye y registra en su contabilidad las Estimaciones preventivas para cada uno de los créditos de su Cartera Crediticia Comercial, utilizando para tal efecto el saldo del adeudo correspondiente al último día de cada mes, ajustándose a la metodología y a los requisitos de información establecidos en las Disposiciones.</span>
</p>
<p style="margin:0pt 0pt 10pt 25.25pt">
<span style="font-family:Arial; font-size:11pt">A partir del año 2024, el Banco implementó el uso de una metodología interna; la cual fue autorizada por la Comisión Bancaria; para calificar y constituir las reservas crediticias correspondientes a la cartera comercial de Grandes Corporativos Globales (GLC, por sus siglas en inglés, Global </span><span style="font-family:Arial; font-size:11pt">Large</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Corporates</span><span style="font-family:Arial; font-size:11pt">), utilizando la metodología interna basado en la NIF C-16 para el cálculo de la Probabilidad de Incumplimiento (PI); para el resto de los componentes de la reserva (Severidad de la Pérdida y Exposición al incumplimiento) se sigue utilizando la metodología estándar ordenada por dicha Comisión, la cual se detalla en esta misma Nota. </span>
</p>
<p style="margin:0pt 0pt 10pt 25.25pt">
<span style="font-family:Arial; font-size:11pt">El cálculo de la PI se basa en una metodología utilizada por HSBC Holdings, PLC a nivel global, la cual considera datos históricos, escenarios macroeconómicos que se actualizan trimestralmente y los riesgos particulares de los acreditados.</span>
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<p style="margin:0pt 0pt 10pt 25.25pt">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Metodología general cartera crediticia comercial.</span>
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<p style="margin:0pt 0pt 10pt 25.25pt">
<span style="font-family:Arial; font-size:11pt">Para aquellos créditos clasificados en Etapa 1 y Etapa 3, el porcentaje que se utiliza para determinar las Estimaciones a constituir por cada crédito será el resultado de multiplicar la Probabilidad de Incumplimiento por la Severidad de la Pérdida por la Exposición al Incumplimiento:</span>
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<p style="margin:0pt 0pt 10pt 25.2pt">
<img src="data:image/png;base64,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" width="269" height="27" alt="" style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt 0pt 10pt 25.25pt">
<span style="font-family:Arial; font-size:11pt">Para aquellos créditos clasificados en Etapa 2, con pago de capital e intereses periódicos y créditos revolventes conforme a la fórmula siguiente:</span>
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<p style="margin:0pt 0pt 10pt 25.2pt">
<img 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" width="474" height="101" alt="A math equations and formulas

AI-generated content may be incorrect." style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt 0pt 10pt 25.25pt">
<span style="font-family:Arial; font-size:11pt">Para aquellos créditos clasificados en Etapa 2, con una sola amortización al vencimiento de capital e intereses o una sola amortización de capital al vencimiento y pago periódico de intereses conforme a la fórmula siguiente:</span>
</p>
<p style="margin:0pt 0pt 10pt 25.2pt">
<img src="data:image/png;base64,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" width="377" height="38" alt="" style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt 0pt 10pt 25.25pt">
<span style="font-family:Arial; font-size:11pt">Las Estimaciones para la Etapa 2 son:</span>
</p>
<p style="margin:0pt 0pt 10pt 25.2pt">
<img 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<span style="font-family:Arial; font-size:11pt">i.</span><span style="width:19.7pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Determinación de la Probabilidad de Incumplimiento y de la Severidad de la Pérdida</span>
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<span style="font-family:Arial; font-size:11pt">El Banco calcula la Probabilidad de Incumplimiento y la Severidad de la Pérdida dependiendo del número de impagos en periodos consecutivos inmediatos anteriores a la fecha de cálculo, siguiendo los procedimientos de las Disposiciones.</span>
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<p style="margin:0pt 0pt 10pt 25.2pt; text-indent:-25.2pt; padding-left:25.2pt">
<span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">.</span><span style="width:17.26pt; text-indent:0pt; display:inline-block"></span><span style="font-family:Arial; font-size:11pt">Determinación de la Exposición al Incumplimiento</span>
</p>
<p style="margin:0pt 0pt 10pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">El Banco calcula la Exposición al Incumplimiento para saldos dispuestos de líneas de crédito no comprometidas, que sean cancelables incondicionalmente o bien, que permitan en la práctica una cancelación automática en cualquier momento y sin previo aviso por parte de las Instituciones; siempre y cuando dichas Instituciones demuestren que realizan un seguimiento constante de la situación financiera del prestatario y que sus Sistemas de Control Interno permiten cancelar la línea ante muestras de deterioro de la calidad crediticia del prestatario:</span>
</p>
<p style="margin:0pt 0pt 10pt 28.8pt">
<span style="font-family:Arial; font-size:11pt; font-style:italic">EIi</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> = Si</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">Para líneas de crédito que no cumplan con los requisitos anteriores, la Institución utiliza los procedimientos descritos en las Disposiciones.</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Cobertura por riesgo de crédito</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">El Banco reconoce las garantías reales, garantías personales y derivados de crédito en la estimación de la Severidad de la Pérdida de los créditos, con la finalidad de disminuir las reservas derivadas de la calificación de cartera.</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">Garantías Reales - Las garantías reales admisibles son financieras y no financieras y cumplen con los requisitos de las Disposiciones.</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">Garantías Personales – Con el fin de ajustar las Estimaciones Preventivas para riesgo de crédito, reconoce garantías personales, Seguros de Crédito, así como derivados de crédito señalados en las Disposiciones ajustándose a los requisitos establecidos en las mismas. La Probabilidad de Incumplimiento del garante sustituye a aquella del acreditado.</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Metodología específica aplicable a los créditos para proyectos de inversión o financiamiento de activos con fuente de pago propia.</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">Para el caso de créditos con fuente de pago propia, los cuales tienen una metodología específica establecida en las Disposiciones para las características particulares de este tipo de cartera. El método de calificación y provisionamiento aplicable se calcula aplicando sobre el puntaje crediticio total obtenido mediante la fórmula siguiente:</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<img 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" width="578" height="43" alt="" style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" />
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">Las Instituciones constituirán las reservas preventivas de cada crédito como la multiplicación del porcentaje aplicable conforme a las tablas siguientes por la Exposición al Incumplimiento (EI) que corresponda:</span>
</p>
<ol type="a" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 8pt 38.54pt; text-indent:0pt; line-height:108%; padding-left:11.86pt; font-family:Arial; font-size:10pt; font-style:normal">
<span style="font-family:Arial; font-size:11pt">Créditos en etapa 1 o etapa 2, así como aquellos en etapa 3 que adicionalmente cuenten con el activo subyacente del proyecto como garantía, o bien con garantías reales no financieras que cumplan con los niveles de sobre cobertura (C**) de las Disposiciones, o bien, que cuenten con garantías reales financieras cuyo valor descontado cubra al menos el 30% de la EI y que éstas cumplan con los requisitos para ser reconocidas como mitigantes de riesgo crediticio</span><span style="font-family:Arial; font-size:9pt">:</span>
</li>
</ol>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:176.95pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Puntaje crediticio total</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Porcentaje aplicable</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">760 o más</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">0.50%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(745,760)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">0.55%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(735,745)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">0.70%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(719,735)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">0.87%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(704,719)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">1.14%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(689,704)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">1.46%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(674,689)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">1.88%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(659,674)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">2.41%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(629,659)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">3.49%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(614,629)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">4.93%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(599,614)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">6.19%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(584,599)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">7.72%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(566,584)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">9.72%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(548,566)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">12.30%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(530,548)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">15.27%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(512,530)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">18.55%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(494,512)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">22.01%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(476,494)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">25.50%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(458,476)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">28.84%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(440,458)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">31.91%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:91.45pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(0,440)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:71.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">34.47%</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
<ol start="2" type="a" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 38.54pt; text-indent:0pt; padding-left:11.86pt; font-family:Arial; font-size:10pt; font-style:normal">
<span style="font-family:Arial; font-size:11pt">Créditos en etapa 3 y no cuenten con los activos subyacentes del proyecto como garantía, o bien los activos o garantías reales no financieras adicionales no cumplan con los niveles de sobre cobertura (C**) de las Disposiciones, o cuentan con garantías reales financieras cuyo valor descontado cubre menos del 30% de la EI, o bien que tales garantías reales no cumplan con los requisitos para ser reconocidas como mitigantes del riesgo:</span>
</li>
</ol>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:174.75pt">
<thead>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:107.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Meses después de ingresar a etapa 3 de riesgo de crédito</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Porcentaje aplicable</span>
</p>
</td>
</tr>
</thead>
<tbody>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:107.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(0,3)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">45.0%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:107.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(3,6)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">55.0%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:107.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(6,9)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">62.0%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:107.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(9,12)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">66.0%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:107.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(12,15)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">72.0%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:107.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(15,18)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">75.0%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:107.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(18,21)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">78.0%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:107.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(21,24)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">81.0%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:107.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(24,27)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">88.0%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:107.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(27,30)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">91.0%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:107.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(30,33)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">94.0%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:107.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">(33,36)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">96.0%</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:107.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">36 o más</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt">100%</span>
</p>
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:10pt"> </span>
</p>
</td>
</tr>
</tbody>
</table>
</div>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Estimaciones Adicionales</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt">Las estimaciones adicionales son aquellas que se constituyen para cubrir riesgos que no se encuentran previstos en las diferentes metodologías de calificación de la cartera crediticia, y sobre las que previo a su constitución, se informó a la Comisión Bancaria sobre su origen, la metodología para su determinación, el monto por constituir y el tiempo que se estima serán necesarias.</span>
</p>
<p style="margin:0pt 0pt 12pt 25.2pt">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Estimaciones cartas de crédito no ejercidas</span>
</p>
<p style="margin:0pt 0pt 0pt 25.2pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las cartas de crédito no ejercidas se consideran exposiciones con riesgo de crédito, dado su carácter irrevocable. En consecuencia, el Banco desde mayo 2025, determina su Exposición al Incumplimiento (EI) conforme a las Disposiciones, considerando que se trata de compromisos no cancelables que, a la fecha de calificación, no presentan saldo dispuesto. Con base en dicha exposición, las estimaciones preventivas por riesgo crediticio se calculan utilizando la misma metodología y criterios aplicados a la cartera comercial.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 12pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">5</span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">. Impuestos a la utilidad diferidos </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El impuesto a la utilidad y la PTU causados en el ejercicio se calculan conforme a las disposiciones fiscales vigentes y se reconocen como gasto en los resultados del periodo, excepto cuando el saldo del impuesto a la utilidad, haya surgido de una transacción o suceso que se reconoce fuera del resultado del periodo como ORI o una partida reconocida directamente en el capital contable.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El impuesto a la utilidad y la PTU diferidos se registran de acuerdo con el método de activos y pasivos, que compara los valores contables y fiscales de los mismos y se reconocen (activos y pasivos) por las consecuencias fiscales futuras atribuibles a las diferencias temporales entre los valores en libros de los activos y pasivos existentes y sus bases fiscales respectivas. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Su cálculo se realiza utilizando las tasas establecidas en la ley correspondiente que se aplicarán a la utilidad gravable en los años en que se estima se revertirán las diferencias temporales. El efecto de cambios en las tasas fiscales sobre el impuesto a la utilidad y PTU diferidos se reconoce en los resultados del periodo en que se aprueban dichos cambios</span><span style="font-family:Arial; font-size:11pt">.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">6.</span><span style="font-family:Arial; font-size:11pt; font-weight:normal"> </span><span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Inversiones en Instrumentos Financieros</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Comprende acciones, valores gubernamentales, bancarios y corporativos, cotizados y no cotizados, que se clasifican atendiendo a su modelo de negocio, es decir la forma en la que los instrumentos financieros son administrados para generar flujos de efectivo, es decir si se realizarán a través del cobro de principal e intereses, su negociación para obtener una utilidad por su venta o ambos. La clasificación no se realiza considerando la intención, sino toda la evidencia disponible al momento de la evaluación, como por ejemplo: cómo se determina e informa el desempeño de los activos a la Máxima Autoridad en la Toma de Decisiones (MATDO) de la Administración, qué riesgos afectan a los instrumentos financieros y cómo son mitigados, asimismo cómo son remunerados los administradores del negocio, si con base en maximizar el valor de los instrumentos financieros o en cobrar sus flujos contractuales. Con base en lo anterior, se clasifican los instrumentos financieros utilizando las siguientes categorías:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Instrumentos Financieros Negociables (IFN)</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Su objetivo es invertir con el propósito de obtener una utilidad entre el precio de compra y venta, es decir, en función de la administración de los riesgos de mercado de dichos instrumentos. Se registran inicialmente a su valor razonable y subsecuentemente se valúan de acuerdo con precios proporcionados por los “proveedores de precios”. Los </span><span style="font-family:Arial; font-size:11pt">costos de transacción se reconocen en los resultados del ejercicio. Los efectos de valuación se reconocen en el estado de resultados integral en el rubro de “Resultado por intermediación”; sin embargo, una entidad puede hacer una elección irrevocable, por cada instrumento, desde el reconocimiento inicial, para reconocer como Otros Resultados Integrales (ORI) los cambios en el valor razonable de ciertas inversiones en instrumentos de capital que no se negocian en el corto </span><span style="font-family:Arial; font-size:11pt">plazo.Instrumento</span><span style="font-family:Arial; font-size:11pt"> Financiero para Cobrar o Vender (IFCV). En este caso, su objetivo es cobrar los flujos de efectivo contractuales por cobros de principal e interés, o bien, obtener una utilidad en su venta, cuando ésta sea conveniente. Se registran inicialmente a su valor razonable y subsecuentemente se reconocen en la utilidad o pérdida las siguientes partidas:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">i. Los intereses devengados sobre la base de su tasa de interés efectiva;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">. Las fluctuaciones cambiarias en el momento en que éstas ocurran; y</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">. Las disminuciones en valor que sean atribuibles a un deterioro por pérdidas crediticias </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">esperadas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los efectos que se reconocen en la utilidad o pérdida neta son los mismos que se hubieran obtenido si el IFCV se hubiera reconocido como un Instrumento Financiero para Cobrar Principal e Intereses (IFCPI) a su costo amortizado (cuyas características de medición se explican más adelante en esta misma sección), por lo cual debe llevarse un control del costo amortizado del IFCV para estos efectos. Los costos de transacción se reconocen como parte implícita del costo amortizado y se aplicará en la utilidad o pérdida como parte en la vida esperada del instrumento financiero con base en el método de interés efectivo. Posteriormente, la diferencia entre su costo amortizado y su cambio en su valor razonable se </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">reconoce en el ORI.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Instrumentos Financieros para Cobrar Principal e Interés (IFCPI) (neto)</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Su objetivo es cobrar los flujos de efectivo contractuales; los términos del contrato prevén flujos de efectivo en fechas preestablecidas que corresponden sólo a pagos de principal e interés sobre el monto del principal pendiente de pago. Si un instrumento financiero no cumple con lo indicado anteriormente, debe tratarse como un IFN o, en su caso, como un IFCV. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En su reconocimiento inicial: </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">i. Se cuantifica el precio de la transacción, que es el monto financiado adicionado o restado por los costos de transacción, así como otras partidas cobradas por anticipado, tales como </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">comisiones e intereses;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">. Se determina el monto de los flujos de efectivo futuros estimados que se recibirán durante su plazo contractual o en un plazo menor, si es que existe una probabilidad de prepago u otra circunstancia que requiere utilizar un plazo menor;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">. Se calcula la tasa de interés efectiva considerando la relación entre los montos determinados en los dos pasos anteriores. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">iv</span><span style="font-family:Arial; font-size:11pt">. El monto determinado en el paso i. será el valor razonable del IFCPI y representa su valor </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">bruto al que debe reconocerse inicialmente. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para su reconocimiento posterior, el IFCPI debe </span><span style="font-family:Arial; font-size:11pt">valuarse</span><span style="font-family:Arial; font-size:11pt"> a su costo amortizado, incluyendo los incrementos por el interés efectivo devengado, las disminuciones por la amortización de los costos de transacción y de otras partidas cobradas por anticipado al cliente como comisiones e intereses devengados, todo lo anterior, mediante el uso del método de interés efectivo, y considerando las disminuciones por los cobros de principal e intereses y por las condonaciones o descuentos efectuados.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La entidad debe evaluar desde el reconocimiento inicial de los IFCPI sus Pérdidas Crediticias Esperadas (PCE), las cuales deben determinarse considerando el nivel de riesgo de crédito y la probabilidad de incumplimiento que corresponda. Posteriormente deben reconocerse los cambios requeridos en la estimación para incobrabilidad por las modificaciones en las expectativas de las PCE que surjan en cada periodo subsecuente. Para cuantificar y reconocer las PCE se siguen los criterios contables establecidos en la NIF C-16, Deterioro de instrumentos financieros por cobrar.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">7. Beneficios a empleados</span>
</p>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los planes de Obligación por Beneficios Definidos “OBD” se reconocen con base en cálculos actuariales de conformidad con el método de crédito unitario proyectado, considerando los sueldos proyectados, una tasa de descuento basada, ya sea, en tasas de bonos corporativos de alta calidad cotizados un mercado profundo o en tasas de bonos gubernamentales, entre otros factores. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Se incluyen dentro de los OBD a los Beneficios por Retiro, Gastos Médicos, Primas de Antigüedad </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">y Terminación por causas distintas a la reestructuración, este último debido a que se considera que tienen condiciones preexistentes de acuerdo con la NIF D-3 “Beneficios a los empleados”.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">8. Provisión programa de Lealtad – Clientes</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Una vez obtenida la información del total de puntos obtenidos por producto estos son multiplicados por el porcentaje promedio observado de redención para obtener los puntos a reservar.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Finalmente, el punto a reservar se multiplica por el costo unitario del punto para obtener el saldo de la cuenta necesaria del mes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La provisión será la diferencia existente entre el saldo de la cuenta actual vs el saldo necesario del mes calculado</span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Los estados financieros consolidados del Banco por el ejercicio social al 31 de diciembre de 2025, 2024 y 2023 fueron auditados por PricewaterhouseCoopers, S.C., auditores independientes, de conformidad con las normas internacionales de auditoria por el año terminado en esas fechas; los auditores han emitidos sus opiniones sin salvedades, no han sido desfavorables ni se han abstenido de opinar. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">La facultad de designar y remover al auditor externo de la Emisora compete al Consejo de Administración de HSBC México.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">En adición a la regulación aplicable, el Banco ha establecido políticas corporativas para la contratación de despachos de auditores externos. Estas políticas establecen limitaciones para que los auditores externos proporcionen algunos servicios adicionales al de auditoría de los estados financieros; asimismo, requieren que aquellos servicios permitidos sean autorizados previamente por el Comité de Auditoría. Al cierre del 31 de diciembre de 2025 PricewaterhouseCoopers, S.C., no prestó servicios adicionales a los de auditoría.</span>
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<span style="font-family:Arial; font-size:11pt">En el curso normal de sus operaciones, el Banco lleva a cabo operaciones con partes relacionadas. De acuerdo con las políticas del Banco, todas las operaciones con partes relacionadas son autorizadas por el Consejo de Administración, garantías y condiciones acorde a sanas prácticas bancarias.</span>
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<span style="font-family:Arial; font-size:11pt">Se entienden como partes relacionadas, entre otras, las personas físicas o morales que posean directa o indirectamente el control del 2% o más de los títulos representativos del capital del Banco y los miembros de su Consejo de Administración. También se consideran partes relacionadas, las personas morales, así como los consejeros y funcionarios de las entidades en las que el Banco posea, directa o indirectamente, el control del 10% o más de los títulos representativos de su capital.</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:423pt">
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<span style="font-family:Arial; font-size:11pt">A continuación, se mencionan los principales saldos y operaciones, que fueron realizadas con partes relacionadas </span><span style="font-family:Arial; font-size:11pt; background-color:#ffffff">al 31 de diciembre de 2025, 2024 2023, por los años que terminaron en esas fechas y cuyos montos fueron superiores al 1% del Capital Neto del Banco. Al 31 de diciembre de 2025, 2024 y 2023 fueron de $110,235, $104,266 y $88,137, respectivamente</span><span style="font-family:Arial; font-size:11pt">, como lo establece el criterio C-3 “Partes relacionadas” de las disposiciones:</span>
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<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
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<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
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<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
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<span style="font-family:Arial; font-size:9pt; font-weight:bold; text-decoration:underline">Avales Otorgados</span>
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</p>
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<span style="font-family:Arial; font-size:9pt">Otras Partes Relacionadas</span>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
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<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7,521</span>
</p>
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<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
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<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,047</span>
</p>
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<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
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<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,708</span>
</p>
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<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold; text-decoration:underline">Efectivo y equivalentes de efectivo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Call</span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt">money</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5,382</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,957</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,050</span>
</p>
</td>
</tr>
<tr style="height:2.65pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold; text-decoration:underline">Cuentas por cobrar</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otras cuentas por cobrar </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">554</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">720</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">880</span>
</p>
</td>
</tr>
<tr style="height:30.8pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:276.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:2.65pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold; text-decoration:underline">Cuentas por pagar</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otras cuentas por pagar</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">664</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">646</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">872</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros pasivos derivados de la prestación de servicios bancarios</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">146</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">9</span>
</p>
</td>
</tr>
<tr style="height:2.65pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:276.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:423pt">
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold; text-decoration:underline">Ingresos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:10.65pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Intereses por IFD</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,523</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,632</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5,150</span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Instrumentos Financieros Derivados (IFD) </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">8,569</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6,040 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,540 </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Servicios Administrativos </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,804</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,736 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,859 </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Intereses y Comisiones Cobradas </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,003</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,679 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,304 </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Rembolsos recibidos </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> - </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 48 </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Comisiones </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">42</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 34 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 26 </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Intereses y rendimientos a favor en operaciones de reporto </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">236</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 142 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 180 </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros ingresos </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:26pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">107</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 250 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 335 </span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:427.5pt">
<tr style="height:18.2pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold; text-decoration:underline">Egresos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:30.5pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Intereses por IFD</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:30.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,890</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 7,411 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt">$</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5,636 </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Servicios administrativos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:30.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">10,609</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 9,110 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 7,759 </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Instrumentos Financieros Derivados (IFD)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:30.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">9,097</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 4,204 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 3,691 </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Intereses y Comisiones Pagadas</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:30.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">114</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">78 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">219 </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Intereses devengados a cargo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:30.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3,661</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 3,125 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 1,874 </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Rembolso de gastos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:30.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">475</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">49 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">99 </span>
</p>
</td>
</tr>
<tr style="height:12.75pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:276.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros egresos</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:5.05pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:30.5pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">49</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:2.45pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:28.55pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">50</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:1.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:34.3pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">32</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Información adicional sobre el total de operaciones celebradas con partes relacionadas:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023, el Banco ha mantenido posiciones activas y pasivas de instrumentos financieros derivados con partes relacionadas, las cuales ascendieron a MXN9,620 y MXN8,319 para el año 2025, 12,440 y MXN13,876 para el año 2024 y MXN12,406 y MXN17,274 para el año 2023 respectivamente. </span>
</p>
<p style="margin:3pt 0pt 5pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las principales transacciones realizadas con partes relacionadas en 2025, 2024 y 2023, se muestran a continuación:</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:23.15pt; width:395.35pt">
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:13.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:204.45pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">(Millones de pesos)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:11.75pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:55.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:51.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr>
<td colspan="2" style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:218.6pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Ingresos:</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:11.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:55.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:51.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:13.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:204.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Intereses por IFD</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:11.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">$</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,523</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:55.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">6,632</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:51.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,150</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:13.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:204.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Instrumentos Financieros Derivados (IFD) </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:11.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">8,569</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:55.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">6,040 </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:51.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">4,540 </span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:13.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:204.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Servicios administrativos</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:11.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,804</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:55.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,736</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:51.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,859</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:13.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:204.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Intereses y comisiones cobradas</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:11.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">2,003</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:55.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,679</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:51.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,304</span>
</p>
</td>
</tr>
<tr>
<td colspan="2" style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:218.6pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Egresos:</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:11.75pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:53pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:55.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:51.75pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:13.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:204.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Intereses devengados a cargo</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:11.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,661</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:55.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,125</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:51.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">1,874</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:13.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:bottom; width:204.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Instrumentos Financieros Derivados (IFD)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:11.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">9,097</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:55.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">4,204</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:51.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,691</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:13.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:204.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Egresos por intereses por (IFD)</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:11.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">3,890</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:55.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">7,411</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:51.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">5,636</span>
</p>
</td>
</tr>
<tr>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:top; width:13.4pt">
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:204.45pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Gastos de administración</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:11.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:53pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">10,609</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:55.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">9,110</span>
</p>
</td>
<td style="border-bottom-color:#bfbfbf; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#bfbfbf; border-left-style:solid; border-left-width:0.75pt; border-right-color:#bfbfbf; border-right-style:solid; border-right-width:0.75pt; border-top-color:#bfbfbf; border-top-style:solid; border-top-width:0.75pt; vertical-align:middle; width:51.75pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:11pt">7,759</span>
</p>
</td>
</tr>
<tr style="height:0pt">
<td style="width:14.15pt; border:none">
</td>
<td style="width:205.2pt; border:none">
</td>
<td style="width:12.5pt; border:none">
</td>
<td style="width:53.75pt; border:none">
</td>
<td style="width:56.5pt; border:none">
</td>
<td style="width:52.5pt; border:none">
</td>
</tr>
</table>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">A la fecha de presentación del presente reporte no tenemos conocimiento de alguna transacción relevante entre partes relacionadas que deba ser mencionada.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:12pt 0pt 8pt; line-height:108%; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Los saldos de avales otorgados, depósitos bancarios, cuentas por cobrar, cuentas por pagar, servicios otorgados, servicios recibidos e intereses y comisiones por contraparte se detallan a continuación:</span>
</p>
<p style="margin:0pt 0pt 8pt; line-height:108%; font-size:9pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Avales otorgados</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:471.6pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC </span><span style="font-family:Arial; font-size:9pt">Trinkaus</span><span style="font-family:Arial; font-size:9pt"> & </span><span style="font-family:Arial; font-size:9pt">Burkhardt</span><span style="font-family:Arial; font-size:9pt"> Ag</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 1,826</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ -</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ -</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank UK</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 1,589k </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 1,377 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 1,675</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC France</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,583</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 630 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">704</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank USA</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">951</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 1,262 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">979</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Data Processing </span><span style="font-family:Arial; font-size:9pt">Shanghai</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">715</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 822 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">672</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC France (</span><span style="font-family:Arial; font-size:9pt">Spain</span><span style="font-family:Arial; font-size:9pt"> Branch)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">649</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 752 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">608</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Hong Kong & Shanghai Banking Corporation (South Korea Branch)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">44</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 72 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">315</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">The Hong Kong & Shanghai Banking Malaysia</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 968 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,223</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">164</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 164 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">532</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 7,521 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 6,047 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 6,708</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt; font-weight:bold">Efectivo y equivalentes de efectivo</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Call</span><span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:9pt; font-weight:bold">money</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt; font-weight:bold"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:471.6pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC USA Inc. (HUSI)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 5,229</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 3,807 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 3,842</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC France</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">51 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 93 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">111</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">102 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 57 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">97</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:294.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 5,382 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 3,957</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 4,050</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
<p style="margin:12pt 0pt 0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Otras cuentas por cobrar</span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:476.1pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:299pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:299pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Operadora de Fondos S.A.</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 194 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 351 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 292</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:299pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Seguros México S.A.</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">162</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 184 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">176</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:299pt">
<p style="margin:0pt">
<a name="OLE_LINK7" href="#" ><span style="font-family:Arial; font-size:9pt">HSBC Global </span><span style="font-family:Arial; font-size:9pt">Services</span><span style="font-family:Arial; font-size:9pt"> (UK) </span><span style="font-family:Arial; font-size:9pt">Ltd</span></a>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">48</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 49 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">21</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:299pt">
<p style="margin:0pt">
<a name="OLE_LINK6" href="#" ><span style="font-family:Arial; font-size:9pt">HSBC Software Development Guangdong Limited </span></a>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">35</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 51 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:299pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC USA Inc. (HUSI)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 15 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">16</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:299pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Brasil S.A. Banco de </span><span style="font-family:Arial; font-size:9pt">Invest</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 8 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">29</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:299pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Argentina Holdings</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 7 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">20</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:299pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Electronic Data </span><span style="font-family:Arial; font-size:9pt">Process</span><span style="font-family:Arial; font-size:9pt"> México S.A. de C.V. (EDPM)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">29</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:299pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC </span><span style="font-family:Arial; font-size:9pt">Latin</span><span style="font-family:Arial; font-size:9pt"> America Holdings</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">16</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:299pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Global </span><span style="font-family:Arial; font-size:9pt">Services</span><span style="font-family:Arial; font-size:9pt"> HK </span><span style="font-family:Arial; font-size:9pt">Ltd</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">26</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:299pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">115</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 52 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">52</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:299pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 554 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 720 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 677</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:12pt 0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Otras cuentas por pagar</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:480.6pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Group Management Services Limited</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 328 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 332 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 393</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<a name="RANGE_M139" href="#" ><span style="font-family:Arial; font-size:9pt">Global </span><span style="font-family:Arial; font-size:9pt">Serv</span><span style="font-family:Arial; font-size:9pt"> Centre Mexico S.A.</span></a>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">128</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">129</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">199</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<a name="RANGE_M143" href="#" ><span style="font-family:Arial; font-size:9pt">HSBC Global </span><span style="font-family:Arial; font-size:9pt">Services</span><span style="font-family:Arial; font-size:9pt"> HK LTD</span></a>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">58</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">152</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Software Development Guangdong Limited </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">42</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">51 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">The Hong Kong & Shanghai Banking Corporation Limited - Tokyo Branch (HBAPJPN)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">31</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Global </span><span style="font-family:Arial; font-size:9pt">Services</span><span style="font-family:Arial; font-size:9pt"> (UK) </span><span style="font-family:Arial; font-size:9pt">Ltd</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">15</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">45 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<a name="OLE_LINK1" href="#" ><span style="font-family:Arial; font-size:9pt">HSBC </span><span style="font-family:Arial; font-size:9pt">Technology</span><span style="font-family:Arial; font-size:9pt"> & </span><span style="font-family:Arial; font-size:9pt">Serv</span><span style="font-family:Arial; font-size:9pt"> (USA)</span></a>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">28 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">13</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Elec Data Proc (In) LTD</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">19 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">34</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HBPA Hong Kong</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">31</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">19 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">13</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">62</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">23 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">45</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 664</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 646 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 880</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
<p style="margin:12pt 0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Otros pasivos derivados de la prestación de servicios bancarios</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:480.6pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank Malaysia </span><span style="font-family:Arial; font-size:9pt">Berhad</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 6</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ -</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ -</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Serv Delivery (Pol) </span><span style="font-family:Arial; font-size:9pt">Sp.Zoo</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 52 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> -</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Software Development Guangdong Limited </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">50 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC </span><span style="font-family:Arial; font-size:9pt">Technology</span><span style="font-family:Arial; font-size:9pt"> & </span><span style="font-family:Arial; font-size:9pt">Serv</span><span style="font-family:Arial; font-size:9pt"> (USA)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">44 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC PLC UK </span><span style="font-family:Arial; font-size:9pt">Ops</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">9</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 6 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 146 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 9</span>
</p>
</td>
</tr>
</table>
<p style="margin:12pt 0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Ingresos</span>
</p>
<p style="margin:6pt 0pt 12pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Intereses y comisiones cobradas</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:480.6pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Operadora de Fondos S.A.</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 1,952</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 1,614</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 1,253</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank PLC</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">28</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">34</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC </span><span style="font-family:Arial; font-size:9pt">Securities</span><span style="font-family:Arial; font-size:9pt"> USA </span><span style="font-family:Arial; font-size:9pt">Inc</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">23</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 13 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank PLC UK Ops</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 52 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank USA National Association</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">9</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:303.5pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 2,003</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 1,679 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 1,304</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
<p style="margin:6pt 0pt 12pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Intereses por instrumentos financieros derivados (IFD)</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:485.1pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank PLC</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 2,836 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 3,531 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,755</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank USA National Association</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">624</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 3,054 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,359</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Continental </span><span style="font-family:Arial; font-size:9pt">Europe</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">63</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 47 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">36</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 3,523 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 6,632 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 5,150</span>
</p>
</td>
</tr>
</table>
<p style="margin:12pt 0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
<p style="margin:12pt 0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Intereses y rendimientos a favor en operaciones de reporto</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:485.1pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9.5pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank PLC</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 236</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 142</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ -</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC PLC UK </span><span style="font-family:Arial; font-size:9pt">Ops</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="border-bottom-color:#808080; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="border-bottom-color:#808080; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">180</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 236</span>
</p>
</td>
<td style="border-bottom-color:#808080; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#808080; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 142</span>
</p>
</td>
<td style="border-bottom-color:#808080; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#808080; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 180</span>
</p>
</td>
</tr>
</table>
<p style="margin:12pt 0pt">
<br style="page-break-before:always; clear:both" />
</p>
<p style="margin:12pt 0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Instrumentos financieros derivados (IFD)</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:485.1pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank USA National Association</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 6,399 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 5,280 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 270</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank PLC</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,170 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 760 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4,270</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 8,569 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 6,040 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 4,540</span>
</p>
</td>
</tr>
</table>
<p style="margin:12pt 0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Comisiones</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:485.1pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank PLC </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 7 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 6 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 6</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Continental Europe S.A. Germany Branch</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank USA National Association</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt">4 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Continental </span><span style="font-family:Arial; font-size:9pt">Europe</span><span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Casa de Bolsa S.A. de C.V.</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 4 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">3</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC USA </span><span style="font-family:Arial; font-size:9pt">Inc</span><span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 4 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">4</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">15</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 13 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:308pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 42 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 34 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 26</span>
</p>
</td>
</tr>
</table>
<p style="margin:12pt 0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Servicios administrativos</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:481.95pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Seguros México, S.A.</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 843 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 758 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 888</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Global Services UK Limited </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">187</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 151 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">194</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Electronic Data </span><span style="font-family:Arial; font-size:9pt">Process</span><span style="font-family:Arial; font-size:9pt"> México S.A. de C.V. (EDPM)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">172</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 167 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">141</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">The Hong Kong & Shanghai Banking Corporation Ltd- Tokyo Branch (HBAPJPN)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">143</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 125 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">145</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Software Development India Private Limited </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">82</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 43 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">29</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Global Services Hong Kong Limited </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">48</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 24 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">44</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Banco HSBC S.A. </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">37</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 34 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">34</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank USA National Association</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">32</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 54 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">46</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Casa de Bolsa S.A. de C.V.</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">26</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 23 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">24</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Operadora de Fondos S.A.</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">25</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">30</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">30</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank Argentina S.A. </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 96 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">95</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">209</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 231 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">189</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 1,804 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 1,736 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 1,859</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt 0pt 8pt; line-height:108%; font-size:9pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt 0pt 6pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Reembolsos recibidos</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:481.95pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:normal">HSBC Bank USA National Association</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ -</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ -</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">31</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank PLC</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">12</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Seguros México, S.A.</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ -</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ -</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 48</span>
</p>
</td>
</tr>
</table>
<p style="margin:12pt 0pt 6pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Otros ingresos</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:481.95pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank USA National Association </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt">$ 64 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 125 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 92</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank PLC</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 107 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Continental </span><span style="font-family:Arial; font-size:9pt">Europe</span><span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 9 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">12</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank Argentina S.A. </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 1 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank PLC UK Ops</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">180</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC </span><span style="font-family:Arial; font-size:9pt">Portfoy</span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt">Yonetimi</span><span style="font-family:Arial; font-size:9pt"> As</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">7</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">37</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 8 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">39</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 107 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 250 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 335</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt">
<span style="width:387pt; text-indent:0pt; display:inline-block; -aw-tabstop-align:center; -aw-tabstop-pos:387pt"></span>
</p>
<p style="margin:0pt 0pt 8pt; line-height:108%; font-size:9pt">
<br style="page-break-before:always; clear:both" />
</p>
<p style="margin:12pt 0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Egresos</span>
</p>
<p style="margin:12pt 0pt 6pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Intereses devengados a cargo</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:481.95pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Latin America Holdings UK Limited</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt">$ 3,016 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 2,300 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 916</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Holdings PLC </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">553</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 713 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">872</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank PLC </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">38</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 46 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">25</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Casa de Bolsa S.A. de C.V.</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">23</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 27 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">21</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank USA National Association</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">11</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 12 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">17</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">20</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 27 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">23</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 3,661 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 3,125 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 1,874</span>
</p>
</td>
</tr>
</table>
<p style="margin:12pt 0pt 6pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Intereses y comisiones pagadas</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:481.95pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> HSBC </span><span style="font-family:Arial; font-size:9pt">Securities</span><span style="font-family:Arial; font-size:9pt"> USA </span><span style="font-family:Arial; font-size:9pt">Inc</span><span style="font-family:Arial; font-size:9pt"> </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 48 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 51 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 30</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> HSBC Bank PLC </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">15</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 7 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">12</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> HSBC Latin America Holdings UK Limited</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">13</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Promoción y Operación S.A. de C.V.</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">171</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Otros </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">38</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 20 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 114 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 78 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 219</span>
</p>
</td>
</tr>
</table>
<p style="margin:12pt 0pt 6pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Intereses por instrumentos financieros derivados (IFD)</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:481.95pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank PLC </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 3,269</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 1,283 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 2,607</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank USA National Association</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">543</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 6,128</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 3,029</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Continental </span><span style="font-family:Arial; font-size:9pt">Europe</span><span style="font-family:Arial; font-size:9pt"> SA</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">78</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 3,890 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 7,411 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 5,636</span>
</p>
</td>
</tr>
</table>
<p style="margin:12pt 0pt 6pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Instrumentos financieros derivados (IFD)</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:481.95pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank USA National Association</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 7,099</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ </span><span style="font-family:Arial; font-size:9pt">1,793 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 3,448</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:bottom; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank PLC </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,929</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 2,411 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 243</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Continental </span><span style="font-family:Arial; font-size:9pt">Europe</span><span style="font-family:Arial; font-size:9pt"> SA</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">69</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 9,097</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 4,204</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 3,691</span>
</p>
</td>
</tr>
</table>
<p style="margin:12pt 0pt 6pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Servicios administrativos</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:481.95pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> HSBC Global Services UK Limited </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt">$ 2,860</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 2,473 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 2,056</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> HSBC Group Management Services Limited </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">2,674</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 2,147 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,511</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Electronic Data </span><span style="font-family:Arial; font-size:9pt">Process</span><span style="font-family:Arial; font-size:9pt"> México S.A. de C.V. (EDPM)</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,887</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 1,690 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1,589</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> HSBC Software Development India Private Limited </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">879</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 767 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">680</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<a name="RANGE_G79" href="#" ><span style="font-family:Arial; font-size:9pt"> HSBC Global Services Hong Kong Limited </span></a>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">539</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 291 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">369</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> HSBC Software Development Guangdong Limited </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">442</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 384 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">324</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> HSBC Technology Services USA Inc </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">270</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 235 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">248</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Trans Unión de México S.A. Sic</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">147</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 169 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">196</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> Otros </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">911</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 954 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">786</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 10,609</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 9,110 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 7,759</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt 0pt 8pt; line-height:108%; font-size:9pt">
<br style="page-break-before:always; clear:both" /><span style="font-family:Arial; font-size:9pt; font-weight:bold">Reembolsos de gastos</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:481.95pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Global </span><span style="font-family:Arial; font-size:9pt">Services</span><span style="font-family:Arial; font-size:9pt"> (UK) </span><span style="font-family:Arial; font-size:9pt">Ltd</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 276</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 13 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ -</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Holdings PLC</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">113</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 6 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">85</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Seguros México, S.A.</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 86</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 30 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 8</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Global </span><span style="font-family:Arial; font-size:9pt">Payments</span><span style="font-family:Arial; font-size:9pt"> </span><span style="font-family:Arial; font-size:9pt">Technology</span><span style="font-family:Arial; font-size:9pt"> México S. A. de C. V.</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">6</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 475</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 49 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 99</span>
</p>
</td>
</tr>
</table>
<p style="margin:12pt 0pt 6pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Otros egresos</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt; width:481.95pt">
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2025</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2024</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">2023</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Casa de Bolsa S.A. de C.V.</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 30</span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> $ 49 </span>
</p>
</td>
<td style="border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">$ 31</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HSBC Bank PLC </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">5</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt"> 1 </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">-</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Otros</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">14</span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">- </span>
</p>
</td>
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt">1</span>
</p>
</td>
</tr>
<tr style="height:1pt">
<td style="padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:304.85pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Total</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 49</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:middle; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold"> $ 50 </span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:double; border-bottom-width:1.5pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:3.5pt; padding-right:3.5pt; vertical-align:top; width:49.7pt">
<p style="margin:0pt; text-align:right">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">$ 32</span>
</p>
</td>
</tr>
</table>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt"> </span>
</p>
<p style="margin:0pt 0pt 10pt; text-align:justify; line-height:11pt">
<a name="_Hlk193059188" href="#" ><span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2025, 2024 y 2023, el Banco ha mantenido posiciones activas y pasivas de instrumentos financieros derivados con partes relacionadas, las cuales ascendieron a $ 9,620 y $ 8,319 para el año 2025, $ 12,440 y $ 13,876 para el año 2024 y para el año 2023 $ 12,406 y $ 17,274, respectivamente.</span></a>
</p>
<p style="margin:0pt 0pt 10pt; text-align:justify; line-height:11pt">
<span style="-aw-bookmark-end:_Hlk193059188"></span><span style="font-family:Arial; font-size:11pt">La suma total de las operaciones con partes relacionadas no podrá exceder del treinta y cinco por ciento de la parte básica del capital neto de la Institución, señalado en el artículo 50 de la presente Ley.</span>
</p>
<p style="margin:0pt 0pt 10pt; text-align:justify; line-height:11pt">
<span style="font-family:Arial; font-size:11pt">Tratándose de préstamos o créditos revocables, computará para este límite únicamente la parte dispuesta.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El importe total de los beneficios a empleados otorgados al personal directivo del Banco asciende a $ 31, $ 35 y $ 31 por el ejercicio 2025, 2024 y 2023 respectivamente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">Todas las transacciones realizadas con partes relacionadas se encuentran a condiciones de Mercado.</span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
<p style="margin:0pt">
<span style="font-family:'Times New Roman'; font-size:12pt"> </span>
</p>
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<span style="font-family:Arial; font-size:11pt">El Consejo de Administración de HSBC México </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Consejo de Administración del Banco se integra por un mínimo de 5 y un máximo de 15 Consejeros Propietarios, de los cuales el 25% deben calificar como Consejeros Independientes. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En términos de los artículos 22 y 45-K de la Ley de Instituciones de Crédito (LIC), por consejero independiente, debe entenderse a la persona que sea ajena a la administración de la Institución de Banca Múltiple y que reúna los requisitos y condiciones que determine la Comisión Nacional Bancaria y de Valores (CNBV), mediante disposiciones de carácter general, en las que igualmente se establecerán los supuestos bajo los cuales se considerará que un consejero deja de ser independiente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">De acuerdo con los artículos 23 y 45-K de la LIC, los nombramientos de consejeros del Banco deben recaer en personas que cuenten con calidad técnica, honorabilidad e </span><span style="font-family:Arial; font-size:11pt">historial crediticio satisfactorio, así como con amplios conocimientos y experiencia en materia financiera, legal o administrativa.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El nombramiento de los Consejeros debe hacerse en Asamblea Especial por cada Serie de acciones. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">De conformidad con los estatutos sociales (artículo 27) el Grupo Financiero HSBC designará a la mitad más uno de los Consejeros y por cada diez por ciento de acciones de la Serie “F” que exceda del cincuenta y uno por ciento del Capital Social, tendrá derecho a designar un Consejero más. Los accionistas de la Serie “B”, designarán a los Consejeros restantes. Sólo podrá revocarse el nombramiento de los Consejeros de minoría, cuando se revoque el de todos los demás de la misma Serie.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Consejo sesiona con la periodicidad que el mismo determine, pero al menos trimestralmente. El Consejo sesiona válidamente con la presencia de la mayoría de sus miembros, siempre que se encuentre presente al menos un Consejero Independiente. Sus decisiones se toman por mayoría de votos de los presentes y su Presidente tiene voto de calidad.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Consejo de Administración tiene, además de las facultades que la Ley les otorga a los órganos de su clase, los más amplios poderes del Banco. Además, está facultado para crear los comités, consejos regionales y demás órganos intermedios de administración, designar y remover al Presidente Ejecutivo, al Director General y otros funcionarios de alto nivel del Banco, entre otras.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Derechos y Obligaciones de los miembros del Consejo de Administración </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los derechos y obligaciones de los miembros del Consejo de Administración, se establecen en varios artículos de los estatutos sociales de HSBC México, de los cuales se transcriben los aspectos más relevantes a continuación:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">“ARTÍCULO 26.- CONSEJO DE ADMINISTRACIÓN. El Consejo de Administración estará compuesto por un mínimo de 5 (cinco) y un máximo de 15 (quince) Consejeros Propietarios de los cuales cuando menos el 25% (veinticinco por ciento) deberán ser independientes. Por cada Consejero Propietario se podrá designar a su respectivo Suplente, en el entendido de que los Consejeros Suplentes de los Consejeros Independientes, deberán tener el mismo carácter.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">El nombramiento de los Consejeros, deberá hacerse en Asamblea Especial por cada Serie de acciones. A las Asambleas que se reúnan con este fin, así como a aquellas que tengan el propósito de designar Comisarios por cada Serie de acciones, les serán aplicables, en lo conducente, las disposiciones para las Asambleas Generales Ordinarias previstas en la Ley General de Sociedades Mercantiles.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">El nombramiento de Consejeros, deberá recaer en aquellas personas que cuenten con calidad técnica, honorabilidad e historial crediticio satisfactorio, así como amplios conocimientos y experiencia en materia financiera, legal o administrativa, y que no se vean impedidos por alguno de los supuestos contenidos en el artículo 23 de la Ley de Instituciones de Crédito.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Por consejero independiente, deberá entenderse a la persona que sea ajena a la administración de la Sociedad y reúna los requisitos y condiciones señalados en el párrafo anterior, lo que establece, los artículos 22 y 45-K, cuarto párrafo, ambos de la </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Ley de Instituciones de Crédito y los que determine la Comisión Nacional Bancaria de Valores en las disposiciones de carácter general a que se refiere el artículo 45-K de la Ley de Instituciones de Crédito, en las que igualmente se establecerán los supuestos bajo los cuales, se considerará que un Consejero deja de ser independiente para los efectos de este artículo.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">La mayoría de los consejeros deberán residir en territorio nacional.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Quienes sean designados para ocupar los cargos de Consejeros Propietarios o Suplentes deberán manifestar por escrito, antes de tomar posesión de sus cargos que:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">1) No se ubican en cualquiera de los supuestos a que se refieren las fracciones III a VIII del artículo 23 de la Ley de Instituciones de Crédito, tratándose de Consejeros, y en la fracción III del artículo 24 de la misma Ley, para el caso del Presidente Ejecutivo, Director General y funcionarios con las dos jerarquías inmediatas inferiores a las de este último;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">2) Se encuentran al corriente en el cumplimiento de sus obligaciones crediticias de cualquier género;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">3) Conocen los derechos y deberes que asumen al aceptar el cargo que corresponda; y, </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">4) No tienen conflicto de interés alguno respecto del desempeño de las respectivas funciones como Consejeros o funcionarios de la Sociedad, según se trate, y que, en caso que en cualquier tiempo existiese o pudiere existir cualquier conflicto de interés, habrán de manifestar tal situación en el seno del Consejo de Administración o al Presidente del mismo y abstenerse de participar, deliberar y votar, y en general, de actuar o de omitir actuar, según corresponda, en relación con el asunto o tema respecto del cual existiese o pudiere existir un interés contrario al de la Sociedad derivado de cualquier conflicto de interés.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Las personas vinculadas con otra institución de crédito no podrán ser consejeros de la Sociedad. Se entenderá que una persona se encuentra vinculada si la misma es accionista o empleada de otra institución de crédito o de la sociedad controladora de otro grupo financiero y/o de cualquiera de las sociedades integrantes del mismo; o si presta servicios o participa en los órganos de gobierno, control o administración de otra institución de crédito o de la sociedad controladora de otro grupo financiero y/o de cualquiera de las sociedades integrantes del mismo.”</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">“ARTÍCULO 27.- DESIGNACIÓN Y DURACIÓN. Grupo Financiero HSBC, S.A. de C.V. designará a la mitad más uno de los Consejeros y por cada diez por ciento de acciones de la Serie “F” que exceda del cincuenta y uno por ciento del Capital Social, tendrá derecho a designar un Consejeros más. Las acciones de la Serie “B”, designarán a los Consejeros restantes. Sólo podrá revocarse el nombramiento de los Consejeros de minoría, cuando se revoque el de todos los demás de la misma Serie.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">En caso de que se tenga vínculos de negocios o patrimoniales con personas morales que realicen actividades empresariales en los términos establecidos por la Ley de Instituciones de Crédito, la designación de los miembros del Consejo de Administración se hará de acuerdo a lo establecido por el Artículo 45-R de la Ley de Instituciones de Crédito.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Los miembros del Consejo de Administración durarán en su cargo por el término de un año, pudiendo ser reelectos, pero no cesarán en el desempeño de sus funciones mientras no tome posesión los designados para sustituirlos.”</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">“ARTÍCULO 31.- FACULTADES DEL CONSEJO DE ADMINISTRACIÓN. El Consejo de Administración tendrá las facultades que a los órganos de su clase atribuyen las leyes y los presentes estatutos, por lo que, de manera enunciativa y nunca limitativa, tendrá las siguientes facultades:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">I. Poder general para ACTOS DE DOMINIO, con las más amplias facultades generales en términos del tercer párrafo del artículo dos mil quinientos cincuenta y cuatro del Código civil para la Ciudad de México y sus correlativos de la legislación federal y de las legislaciones de los Estados de la República Mexicana, en consecuencia, puede realizar todos los actos de dominio que a su discreción considere necesarios, dentro o fuera de los Estados Unidos Mexicanos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">II. Poder general para ACTOS DE ADMINISTRACIÓN, con las más amplias facultades generales en términos del segundo párrafo del artículo dos mil quinientos cincuenta y cuatro del Código Civil para la Ciudad de México y sus correlativos de la legislación federal y de las legislaciones de los Estados de la República Mexicana, en consecuencia puede realizar todos los actos de administración que a su discreción considere necesarios, dentro o fuera de los Estados Unidos Mexicanos, por lo que de modo ejemplificativo (pero nunca limitativo) puede:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">a) Administrar el patrimonio de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC, con las más amplias facultades;</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">b) Celebrar y firmar todo tipo de actos o negocios relacionados con el objeto social de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC;</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">c) Celebrar y suscribir todo tipo de actos y convenios con el Gobierno Federal, los Gobiernos Estatales y Municipales, así como con autoridades financieras, y con personas físicas o morales, ya sean gubernamentales o particulares;</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">d) Celebrar y suscribir u otorgar asociaciones, </span><span style="font-family:Arial; font-size:11pt; font-style:italic">joint</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> ventures, franquicias, coinversiones y todo tipo de alianzas estratégicas de negocios, e inversiones, con entidades financieras y personas físicas o morales, mexicanas o extranjeras;</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">e) Ceder, transmitir o traspasar la cartera de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC;</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">f) Hacer cesión de bienes, derechos, créditos, derechos litigiosos, deudas y cesiones de contrato;</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">g) Gestionar, obtener y utilizar la firma electrónica de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC, así como disponer, o contratar los medios necesarios para su ejercicio por vía de </span><span style="font-family:Arial; font-size:11pt; font-style:italic">encriptamiento</span><span style="font-family:Arial; font-size:11pt; font-style:italic">, certificación o cualquier otro mecanismo, según sea el caso:</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 42.55pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">a. Apersonarse en procedimientos de licitación pública o privada, presentar, mejorar y desistirse de ofertas y/o propuestas técnicas, financieras y legales, así como emitir el consentimiento para los negocios o contratos que se le adjudiquen a través de estas licitaciones y/o concursos; y,</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">a)</span><span style="font:7.0pt 'Times New Roman'">      </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Las demás que establezcan la Ley, los presentes estatutos, las disposiciones administrativas aplicables y aquellas que la propia Asamblea General de Accionistas determine.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">III. PODER GENERAL PARA PLEITOS Y COBRANZAS, con las más amplias facultades generales, en términos del primer párrafo del artículo dos mil quinientos cincuenta y cuatro del Código Civil para la Ciudad de México y sus correlativos en la legislación federal, y de las legislaciones de los Estados de la República Mexicana, con todas las cláusulas especiales que requieran mención expresa conforme al artículo dos mil quinientos ochenta y siete del referido Código Civil para la Ciudad de México y sus correlativos, de la legislación federal, y de las legislaciones de los Estados de la República Mexicana con facultades para representar a HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC, frente a terceros y ante toda clase de autoridades administrativas, judiciales o de cualquier otra índole, sean municipales, estatales o federales, así como ante árbitros, mediadores o arbitradores, dentro o fuera de los Estados Unidos Mexicanos, por lo que de modo ejemplificativo, (más nunca limitativo) cuenta con las siguientes facultades:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">1.- Para apersonarse y promover toda clase de juicios o procedimientos, incluyendo el juicio de Amparo;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">2.- Para celebrar convenios de transacción dentro y fuera de juicio;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">3.- Para comprometer en árbitros;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">4.- Para articular y absolver posiciones en cualquier género de juicios, incluidos los laborales, en el entendido de que la facultad de absolverlas sólo podrá ser ejercida por medio de las personas físicas que al efecto designe el Consejo de Administración o por aquellas personas físicas en cuyos poderes se consigne expresamente la atribución respectiva;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">5.- Para solicitar la excusa de jueces, árbitros, mediadores, arbitradores y funcionarios o servidores públicos;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">6.- Para presentar, ampliar y ratificar denuncias y querellas penales; satisfacer los requisitos de estas últimas; desistirse de ellas cuando lo permita la ley o manifestar que ya no se tiene interés en ellas; así como apersonarse, aportar pruebas, formular alegatos, presentar recursos, ante el propio Ministerio Público o fiscalías generales o especializadas, sean todos ellos federales, estatales o municipales;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">7.- Para constituirse en coadyuvante del Ministerio Público federal o local; así como de las demás Procuradurías de los gobiernos federal, estatales y municipales que existan, conforme las Leyes Mexicanas o sus equivalentes en otros países;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">8.- Otorgar perdón en los procedimientos penales;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">9.- Transigir ante toda clase de autoridades o particulares;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">10.- Representar a HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC ante cualesquiera autoridades administrativas y judiciales, sean estas Municipales, Estatales o Federales, así como ante árbitros o arbitradores;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">11.- Declarar como testigo, o como Coadyuvante;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">12.- Conformarse o inconformarse con toda clase de resoluciones ya sea de autoridades judiciales, administrativas, federales, estatales o municipales;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">13.- Recusar jueces y funcionarios o servidores públicos;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">14.- Pedir la reparación del daño o manifestar que ha quedado satisfecha dicha reparación;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">15.- Interponer toda clase de recursos, amparos, medios de impugnación y desistirse de ellos;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">16.- Recibir pagos y daciones en pago, así como otorgar quitas dentro de procedimientos judiciales o administrativos;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">17.- Comparecer en remates, hacer posturas y pujar en remates;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">18.- Comparecer como parte ofendida en juicios penales;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">19.- Autorizar en términos de los artículos veintisiete de la Ley de Amparo, Reglamentaria de los Artículos ciento tres y ciento siete de la Constitución Política de los Estados Unidos Mexicanos, mil sesenta y nueve del Código de Comercio, ciento doce del Código de Procedimientos Civiles de la Ciudad de México, y sus correlativos de los demás ordenamientos y legislaciones federales o de los Estados de la República Mexicana, a licenciados en Derecho o Abogados, en procedimientos judiciales o administrativos, con el fin de habilitarlos para oír y recibir notificaciones, recoger documentos, ofrecer y desahogar pruebas, interponer recursos, presentar alegatos y formular todo tipo de promociones necesarias para la mejor defensa y protección de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">20.- Consentir sentencias, solicitar su aclaración, o impugnarlas;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">21.- Constituirse en cualquier tipo de procesos o procedimientos; y, ejercitar acciones de reparación de daños, así como desistirse de ellas;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">22.- Desistirse de la instancia o de la demanda por cualquier causa;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">23.- Adjudicarse bienes en favor de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">24.- Celebrar cualquier tipo de convenios judiciales o extrajudiciales;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">25.- Pactar procedimientos convencionales;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">26.- Presentar, ver presentar, interrogar y repreguntar testigos;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">27.- Recoger todo tipo de documentos y valores depositados o exhibidos ante autoridades, o particulares;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">28.- Firmar cuantos documentos públicos o privados sea menester para el cabal cumplimiento del objeto de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">29.- Interponer toda clase de defensas y excepciones;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">30.- Contestar demandas y reconvenciones, así como desahogar la vista que se conceda a HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC y continuar los procedimientos en todas sus instancias hasta su total terminación;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">31.- Firmar demandas, instancias, denuncias, peticiones, reclamos, quejas, ratificaciones, presentaciones, exhibiciones, recibos, finiquitos, contratos, convenios, validaciones, y presentarlas y solicitar y exigir mediante comparecencia, en todo tipo de instancias judiciales, administrativas, arbitrales y particulares; así como ofrecer y desahogar pruebas en toda clase de procedimientos;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">32.- Intentar o instaurar y proseguir juicios, incidentes, recursos ordinarios y extraordinarios;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">33.- Objetar y/o redargüir de falsas las firmas y documentos presentados por la contraria;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">34.- Embargar y hacer señalamiento de bienes para embargo;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">35.- Pedir el remate de los bienes embargados;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">36.- Adjudicarse bienes en remate;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">37.- Reconocer o ratificar documentos y toda clase de escritos; dentro o fuera de juicio;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">38.- Nombrar peritos y recusar a los de la contraria, así como requerirles de cualesquiera información necesaria para la defensa de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">39.- Gestionar, obtener, aceptar y cancelar el otorgamiento de garantías por terceros como son hipotecas, prendas, embargos y cualesquiera otras;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">40.- Diligenciar Cartas Rogatorias y Exhortos; incluyendo la facultad de representar a HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC ante Gobiernos o Autoridades Extranjeras y particulares, nacionales o extranjeros;</span>
</p>
<p style="margin:5pt 0pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">41.- Hacer pagos y daciones en pago a nombre de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">42.- Desistirse de la acción, y de los efectos de la ejecución de sentencias que hayan causado ejecutoria, así como del juicio de amparo;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">43.- Apersonarse, denunciar, coadyuvar y comparecer ante toda clase de procuradurías de tipo administrativas o sus equivalentes, sean federales, estatales o municipales;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">44.- Gestionar, obtener y utilizar cuando así lo requiera el tipo de trámite o la autoridad ante quien debe ejercerse la petición, demanda, reclamo, o contestación, la firma electrónica de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">45.- Hacer uso a nombre de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC de los medios electrónicos de contratación, prueba, o de trámites judiciales o administrativos, para la procuración de los intereses de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">46.- Las demás que establezcan la Ley, los presentes estatutos, las disposiciones administrativas aplicables y aquellas que la propia Asamblea General de Accionistas determine.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">IV.- PODER PARA ACTOS DE ADMINISTRACIÓN EN MATERIA LABORAL, para que, por conducto de los apoderados que designe, represente a HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC frente a terceros y ante toda clase de autoridades administrativas, judiciales o de cualquier otra índole, sean municipales, estatales o federales, así como ante árbitros, mediadores o arbitradores, dentro o fuera de los Estados Unidos Mexicanos, por lo que de modo ejemplificativo, (más nunca limitativo) cuenta con las siguientes facultades:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">1.- Representar a HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC ante las autoridades del trabajo, sean éstas delegacionales, municipales, estatales o federales;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">2.- Comparecer ante todo tipo de autoridades en materia laboral, sean administrativas o judiciales, locales o federales;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">3.- Actuar dentro de los procedimientos procesales y para procesales correspondientes, desde la etapa de conciliación y hasta la de ejecución laboral y celebrar todo tipo de convenios en los términos de los artículos once y ochocientos setenta y seis de la Ley Federal del Trabajo;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">4.- Celebrar contratos individuales de trabajo o colectivos con trabajadores sindicalizados, sindicatos, uniones, congresos de trabajo, así como federaciones y confederaciones de trabajadores o de sindicatos;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="width:154.05pt; text-indent:0pt; display:inline-block; -aw-tabstop-align:left; -aw-tabstop-pos:154.05pt"></span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">5.- Actuar ante o frente a los sindicatos con los cuales existan celebrados o no contratos colectivos de trabajo;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">6.- Actuar ante o frente a los trabajadores personalmente considerados y en general en todos los asuntos obrero-patronales, actuar ante cualquiera de las autoridades del trabajo y servicios sociales a que se refiere el artículo quinientos veintitrés de la Ley Federal del Trabajo;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">7.- Comparecer ante las Juntas de Conciliación y Arbitraje; así como ante Procuradurías del Trabajo, y dependencias del trabajo ya sean locales o federales;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">8.- Llevar la representación patronal en términos de los artículos once, cuarenta y seis y cuarenta y siete de la Ley Federal del Trabajo;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">9.- Llevar la representación legal de la sociedad para los efectos de acreditar la personalidad y la capacidad de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC, en juicios o fuera de ellos en términos del artículo seiscientos noventa y dos de la Ley Federal del Trabajo;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">10.- Comparecer al desahogo de pruebas confesionales en términos de los artículos setecientos ochenta y siete, y setecientos ochenta y ocho de la Ley Federal del Trabajo;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">11.- Para articular y absolver posiciones en cualquier género de juicios, y procedimientos laborales o del trabajo, en el entendido de que la facultad de absolverlas sólo podrá ser ejercida por medio de las personas físicas que al efecto designe el Consejo de Administración o por aquellas personas físicas en cuyos poderes se consigne expresamente la atribución respectiva;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">12.- Ofrecer y desahogar las pruebas en todas sus partes;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">13.- Comparecer con el carácter de patrón, con toda la responsabilidad y representación legal, bastante y suficiente a las audiencias a que se refiere el artículo ochocientos setenta y tres de la Ley Federal del Trabajo en sus tres fases: de conciliación; de demanda y excepciones; de ofrecimiento y admisión de pruebas en los términos de los artículos ochocientos setenta y cinco, ochocientos setenta y seis fracciones primera y cuarta, ochocientos setenta y siete, ochocientos setenta y ocho, ochocientos setenta y nueve y ochocientos ochenta de la Ley Federal del Trabajo;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">14.- Acudir a la audiencia de desahogo de pruebas en los términos de los artículos ochocientos ochenta y tres y ochocientos ochenta y cuatro de la Ley Federal del Trabajo;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">15.- Hacer arreglos conciliatorios;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">16.- Celebrar transacciones dentro de los procedimientos;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">17.- Suscribir toda clase de convenios y contratos laborales;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">18.- Intentar o instaurar y desistirse de toda clase de procedimientos, inclusive el juicio de Amparo;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">19.- Transigir;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">20.- Comprometer en árbitros;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">21.- Recusar;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">22.- Recibir y hacer pagos y daciones en pago;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">23.- Las demás que establezcan la Ley, los presentes estatutos, las disposiciones administrativas aplicables y aquellas que la propia Asamblea General de Accionistas determine.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">24.- El Consejo de Administración y los apoderados que este designe, actuaran como representantes de la Sociedad en calidad de administrador, ante sindicatos y respecto de toda clase de juicios y procedimientos de trabajo. Lo anterior de conformidad con los artículos séptimo y octavo transitorios del Decreto por el que se reforman, adicionan y derogan diversas disposiciones de la Ley Federal del Trabajo, de la Ley Orgánica del Poder Judicial de la Federación, de la Ley Federal de la Defensoría Pública, de la Ley del Instituto del Fondo Nacional de Vivienda para los Trabajadores y de la Ley del Seguro Social, en materia de Justicia Laboral, Libertad Sindical y Negociación Colectiva, publicado en el Diario Oficial de la Federación el primero de mayo del dos mil diecinueve. En atención a lo dispuesto por los artículos sexto y décimo transitorios del citado Decreto, una vez que entren en funciones los Tribunales Laborales Federales o Locales, el Centro Federal de Conciliación y Registro Laboral, los Centros de Conciliación de las entidades federativas y los Jueces Laborales, contarán con facultades expresas para: comparecer ante las referidas autoridades, con la representación patronal y la representación legal bastante y suficiente para acreditar la personalidad y la capacidad en juicio o fuera de él; señalar domicilios para recibir notificaciones; desahogar la prueba confesional; articular y absolver posiciones y conciliar, de acuerdo con los artículos once y seiscientos ochenta y cuatro A, B, C, D y E de la Ley Federal del Trabajo; comparecer a la audiencia preliminar, a la audiencia de juicio y demás audiencias referidas en los artículos ochocientos setenta y tres E, F, G y H, ochocientos noventa y cinco, novecientos seis y demás relativos de dicho ordenamiento. Podrán realizar todo tipo de trámite y/o gestión ante cualquiera de las autoridades del trabajo y servicios sociales a que se refiere el artículo quinientos veintitrés de la Ley Federal del Trabajo, ante el Instituto Mexicano del Seguro Social (IMSS), el Instituto del Fondo Nacional de la Vivienda para los Trabajadores (INFONAVIT) y el Instituto del Fondo Nacional para el Consumo de los Trabajadores (FONACOT); y atender en todas y cada una de sus etapas las inspecciones de carácter laboral que determinen las autoridades anteriormente señaladas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">V.- En términos del artículo nueve de la Ley General de Títulos y Operaciones de Crédito, poder para suscribir, otorgar, librar, girar, aceptar, endosar, avalar y emitir todo tipo de títulos de crédito a nombre de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">VI.- Ratificar, limitar, revocar, condicionar, validar, convalidar, modificar (todo ello total o parcialmente), los actos o negocios realizados por la Sociedad a través de todos o cualesquiera apoderado o apoderados, hecho o hechos en cualquier tiempo y lugar, comprendiendo en ello, de manera ejemplificativa, más nunca limitativa, cualquiera de los siguientes supuestos:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">a) contratos o convenios o actos o negocios celebrados por empresas fusionadas a la Sociedad;</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">b) contratos o convenios o actos o negocios celebrados bajo cualquiera de las anteriores denominaciones de la Sociedad;</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">c) actos y actuaciones judiciales en los que fue o es parte, la Sociedad, o en donde aún aparezca la denominación de alguna de las sociedades fusionadas, con la Sociedad o de las anteriores denominaciones de la Sociedad;</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">d) contratos o convenios o actos o negocios celebrados por la Sociedad, con la actual denominación, o sus anteriores denominaciones, incluyendo las de las empresas fusionadas con la Sociedad en el transcurso del tiempo;</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">e) Garantías constituidas a favor de la Sociedad; y,</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">f) Partidas de inscripciones registrales, endosos, emisiones de títulos valor, todo tipo de prelaciones a favor de la Sociedad, derechos de autor y de propiedad industrial, inversiones extranjeras, llevadas a cabo en el pasado por apoderados de la Sociedad con cualquiera de sus denominaciones actual o anteriores o de las empresas fusionadas con la Sociedad, comprendiendo en ello a las que aparezcan bajo alguna de las anteriores denominaciones de la Sociedad o de las empresas fusionadas anteriormente con la Sociedad.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">VII.- Las facultades podrán ser ejercitadas, dentro o fuera de los Estados Unidos Mexicanos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">VIII.- Delegar, otorgar, limitar, ratificar, revocar, condicionar, validar, convalidar, modificar (todo ello total o parcialmente), toda clase de poderes que otorgue o haya otorgado, respecto de todas o algunas de las facultades señaladas en los presentes estatutos, sin perder sus facultades por el o los hechos de la o las delegaciones, otorgamientos, limitaciones, ratificaciones, revocaciones, condicionamientos, validaciones, convalidaciones, o modificaciones que realice o haya realizado.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">También puede el Consejo de Administración, facultar al apoderado o delegatario designado para que delegue, otorgue, limite, ratifique, revoque, condicione, valide, convalide, modifique (todo ello total o parcialmente) a su vez, los poderes que le son conferidos a la o las personas que a su propia discreción designe, y aquellos que hayan sido otorgados por otra persona u órgano de la sociedad sin perder dicho apoderado o delegatario sus facultades por el o los hechos de la o las delegaciones, otorgamientos, limitaciones, ratificaciones, revocaciones, condicionamientos, validaciones, convalidaciones, o modificaciones que realice o haya realizado.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">El ejercicio del poder otorgado por HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC a favor de alguna persona, implica la aceptación de ésta, de que en caso de revocarse el mismo, se entenderá extinta toda relación contractual con el apoderado, sin responsabilidad patrimonial y/o legal alguna para HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC, salvo que en el acto mismo de la revocación se disponga otro efecto.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">IX.- Los poderes que se otorguen o deleguen y aquellos que el apoderado o el delegatario designado a su vez delegue u otorgue podrán ser limitados expresamente a su discreción en atención a que se ejerzan de manera individual, conjunta o mancomunada, así como atendiendo a los siguientes factores:</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">- Tiempo; de vigencia</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">- Territorio; de aplicación</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">- Persona; ante quien se ejerce</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">- Asunto o tipo de negocios</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">- Ejercicio conjunto o indistinto</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">- Monto máximo del negocio</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Cuando no se establezca expresamente alguna limitación se entenderá que el o los poderes o delegaciones realizadas se hacen sin limitación alguna.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">X.- No obstante, lo establecido en el numeral anterior, en los casos en que así lo considere el Consejo de Administración, éste podrá resolver a su entera discreción, sin más limitaciones que las derivadas de la ley, los presentes estatutos y las disposiciones administrativas aplicables, los asuntos que sean sometidos a su consideración, quedando facultado para otorgar los poderes o delegaciones que considere adecuados.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">XI.- Los apoderados designados, por el Consejo de Administración y los que en su caso designe la persona facultada para ello, cuando no sean funcionarios o empleados de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC, no tendrán la facultad de suscribir, otorgar, librar, girar, aceptar, endosar, avalar y emitir títulos de crédito ya que no se les conferirá ni expresa ni tácitamente dicha facultad, salvo disposición expresa en contrario del propio Consejo de Administración.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Tratándose de funcionarios o empleados de HSBC MÉXICO, SOCIEDAD ANÓNIMA, INSTITUCIÓN DE BANCA MÚLTIPLE, GRUPO FINANCIERO HSBC se requerirá el otorgamiento expreso de las facultades establecidas en el artículo nueve de la Ley General de Títulos y Operaciones de Crédito.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">XII. Crear los comités, consejos regionales y demás órganos intermedios de administración que estime necesarios; establecer reglas sobre su estructura, organización, integración, funciones y atribuciones; nombrar a sus integrantes; y fijar, en su caso, su remuneración;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">XIII. Designar y remover al presidente ejecutivo, al director general y funcionarios con jerarquía inmediata inferior a la del Director General y determinar sus atribuciones y remuneraciones;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">XIV. Designar y remover a los delegados fiduciarios; al auditor externo de la Sociedad; y al secretario y prosecretario(s) del propio consejo; señalarles sus facultades y deberes; y determinar sus respectivas remuneraciones;</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">XV. Otorgar los poderes que crea convenientes a los funcionarios indicados en la fracción anterior, o a cualesquiera otras personas, y revocar cualquier tipo de poderes; y, con observancia de lo dispuesto en las leyes aplicables, delegar sus facultades en el presidente ejecutivo y/o el director general o, algunas de ellas, en los comités creados por el Consejo, en los consejos regionales, en uno o varios de los consejeros, o en los apoderados que designe al efecto, para que las ejerzan en el negocio o negocios y en los términos y condiciones que el consejo de administración señale.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">XVI. Delegar, en favor de la persona o personas que estime conveniente, la representación legal de la Sociedad, otorgarles el uso de la firma social y conferirles </span><span style="font-family:Arial; font-size:11pt; font-style:italic">poder general para pleitos y cobranzas, con las más amplias facultades generales a que se refiere el primer párrafo del artículo 2554 del Código Civil para la Ciudad de México y con las especiales que requieran mención expresa conforme a las fracciones III, IV, VI, VII y VIII del artículo 2587 del mencionado cuerpo legal, de modo que, ejemplificativamente, puedan:</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">a) Ostentarse como representantes legales de la Sociedad en cualquier procedimiento o proceso, administrativo, laboral, judicial o </span><span style="font-family:Arial; font-size:11pt; font-style:italic">parajudicial</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> y, con ese carácter, hacer todo género de instancias y, específicamente: articular o absolver posiciones en nombre de la Sociedad; concurrir, en el período conciliatorio, ante las juntas de conciliación y arbitraje; intervenir en las diligencias respectivas; y celebrar toda clase de convenios con los trabajadores;</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">b) Realizar todos los otros actos jurídicos a que se refiere el punto 1 de este artículo;</span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">c) Sustituir los poderes y facultades de que se trata, sin merma de los suyos; otorgar mandatos; y revocar los otorgados por ellas mismas o bien por otra persona u órgano de la Sociedad de igual o inferior jerarquía.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">XVII. Crear comités y órganos intermedios de administración, así como para establecer las respectivas organización, funciones y atribuciones.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">XVIII. En general, llevar a cabo los actos y operaciones que sean necesarios o convenientes para la consecución de los fines de la Sociedad, excepción hecha de los expresamente reservados por la ley o por el presente estatuto a la asamblea de accionistas.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Los accionistas que representen cuando menos el 15% (quince por ciento) del capital social, podrán ejercer directamente la acción de responsabilidad civil contra los administradores, siempre que se satisfagan los requisitos establecidos en el artículo 163 de la Ley General de Sociedades Mercantiles.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Dicha acción podrá ejercerse también respecto de los Comisarios e integrantes del Comité de Auditoría, ajustándose al citado precepto legal.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Las referencias de este artículo a los preceptos del Código Civil para la Ciudad de México se entienden hechas a los correlativos de los códigos civiles de las entidades en que el mandato se ejerza. </span>
</p>
<p style="margin:5pt 0pt 3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">El consejo de Administración no tiene la facultad de establecer planes de compensación para Consejeros. La Asamblea General Ordinaria de Accionistas es la encargada de definir y autorizar la compensación otorgada a los Consejeros Independientes de HSBC México por su asistencia a las sesiones del Consejo de Administración y Comités que correspondan. Para los directivos relevantes, el Comité de Remuneraciones tiene en sus atribuciones proponer, para aprobación del Consejo de Administración, los criterios para la compensación de éstos.”</span>
</p>
<p style="margin:5pt 0pt 3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Integración del Consejo de Administración del Banco </span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Consejeros Propietarios</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Jorge Arturo Arce Gama (Presidente)</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Guillermo Roberto </span><span style="font-family:Arial; font-size:11pt">Colquhoun</span>
</p>
<p style="margin:3pt 0pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Consejeros Independientes</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Claudia </span><span style="font-family:Arial; font-size:11pt">Jañez</span><span style="font-family:Arial; font-size:11pt"> Sánchez</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Pedro José Moreno Cantalejo</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Alberto Ardura González</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">José María Zas</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Andrés Eugenio Sucre Pulido</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Vanessa Rubio </span><span style="font-family:Arial; font-size:11pt">Marquez</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Consejero Independiente Suplente</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Lorena Margarita Cárdenas Costas</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Consejeros Designados</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Times New Roman'; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Jorge Arturo Arce Gama en Asamblea General Ordinaria de Accionistas de fecha 24 de febrero de 2020 y como Presidente del Consejo de Administración en Asamblea General Ordinaria de Accionistas de fecha 30 de diciembre de 2021.</span>
</p>
<p style="margin:0pt 0pt 0pt 35.4pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Times New Roman'; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Guillermo Roberto </span><span style="font-family:Arial; font-size:11pt">Colquhoun</span><span style="font-family:Arial; font-size:11pt">, en Asamblea General Ordinaria de Accionistas de fecha 25 de octubre de 2021.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Times New Roman'; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Claudia </span><span style="font-family:Arial; font-size:11pt">Jañez</span><span style="font-family:Arial; font-size:11pt"> Sánchez, en Asamblea General Ordinaria de Accionistas de fecha 15 de abril de 2021.</span>
</p>
<p style="margin:0pt; text-indent:-21.3pt; text-align:justify; padding-left:21.3pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Times New Roman'; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Pedro José Moreno Cantalejo, Alberto Ardura González, José María Zas</span><span style="font-family:Arial; font-size:11pt">, y </span><span style="font-family:Arial; font-size:11pt">Andrés Eugenio Sucre Pulido </span><span style="font-family:Arial; font-size:11pt">en Asamblea General Ordinaria de Accionistas del 20 de octubre de 2022.</span>
</p>
<p style="margin:0pt 0pt 0pt 35.4pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Times New Roman'; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Vanessa Rubio Márquez, en Asamblea General Ordinaria de fecha 31 de enero de 2023.</span>
</p>
<p style="margin:0pt 0pt 0pt 35.4pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Times New Roman'; font-size:11pt">-</span><span style="font:7.0pt 'Times New Roman'">          </span><span style="font-family:Arial; font-size:11pt">Lorena Margarita Cárdenas Costas, en Asamblea General Ordinaria de Accionistas de fecha 30 de abril de 2025.</span>
</p>
<p style="margin:0pt 0pt 0pt 35.4pt">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Biografías de los Consejeros del Banco </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Jorge Arturo Arce Gama es Director General de HSBC México desde 1 febrero de 2020. Previamente trabajó en Banco Santander México ocupando el cargo de Director General de Banca Global. Tiene estudios en Administración por la Pace </span><span style="font-family:Arial; font-size:11pt">University</span><span style="font-family:Arial; font-size:11pt"> de </span><span style="font-family:Arial; font-size:11pt">Pleasantville</span><span style="font-family:Arial; font-size:11pt">, N.Y.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Guillermo Roberto </span><span style="font-family:Arial; font-size:11pt">Colquhoun</span><span style="font-family:Arial; font-size:11pt"> es Director de Riesgos de HSBC para América Latina a partir del 1 de septiembre de 2021. Previamente fue designado como Director de Riesgos de HSBC México en 2018. Asimismo, se desempeñó como Director de Auditoría para México y Director de Riesgo de Crédito para América Latina. Anterior al cargo referido fue Director regional de Auditoría de Riesgos de Crédito para HSBC Bank Brasil, S.A. Tiene una licenciatura en Administración de Empresas, así como una especialización en Finanzas por la Universidad de Buenos Aires.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Claudia </span><span style="font-family:Arial; font-size:11pt">Jañez</span><span style="font-family:Arial; font-size:11pt"> Sánchez actualmente es la Presidenta Ejecutiva de </span><span style="font-family:Arial; font-size:11pt">ConMéxico</span><span style="font-family:Arial; font-size:11pt"> desde noviembre 2023 y presidio el Consejo Ejecutivo de Empresas Globales. Tiene más de 25 años de experiencia laboral en diversos sectores empresariales. Fue la primera mujer designada como Presidenta en Dupont para México y Latinoamérica. Estudió </span><span style="font-family:Arial; font-size:11pt">Ia</span><span style="font-family:Arial; font-size:11pt"> Licenciatura en Derecho en la Universidad La Salle y tiene un MBA (MEDEX) del Instituto Panamericano de Alta Dirección de Empresas (IPADE).</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Pedro José Moreno Cantalejo es el fundador y Director General de Hill House Capital y previamente fue el Vicepresidente de Administración y Finanzas en Banco Santander, así como miembro del Consejo de Administración, Vicepresidente Ejecutivo y miembro del Comité Ejecutivo, así como miembro en otros Comités Regulatorios. Estudio Licenciatura en Economía en la Universidad Autónoma de Madrid y cuenta además con Maestría en Administración (MBA) por el ESADE, Madrid.</span>
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<span style="font-family:Arial; font-size:11pt">Alberto Ardura González actualmente es el Director General y miembro del Consejo de Administración de BITE </span><span style="font-family:Arial; font-size:11pt">Acquisition</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Corporation</span><span style="font-family:Arial; font-size:11pt">, LLC y Presidente en Pier A Capital </span><span style="font-family:Arial; font-size:11pt">Solutions</span><span style="font-family:Arial; font-size:11pt">, Inc. Cuenta con una trayectoria profesional de más de 30 años de experiencia en áreas como Finanzas Corporativas, Mercados de Capital, Cobertura para Clientes y diversos roles a nivel Latinoamérica; destacando su participación a nivel Directivo en entidades como Deutsche Bank, AG, Merrill Lynch México, Grupo Financiero Promex-</span><span style="font-family:Arial; font-size:11pt">Finamex</span><span style="font-family:Arial; font-size:11pt">, ING Bank, entre otros. Obtuvo una licenciatura en Finanzas y Negocios por la Universidad Panamericana, además de contar con cursos en crédito, banca, finanzas y derivados por la Universidad de Nueva York (NYU).</span>
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<span style="font-family:Arial; font-size:11pt">José María Zas fue Presidente y Director General en American Express para Latinoamérica y el Caribe (México, Brasil, Argentina, Puerto Rico, entre otros), teniendo también a su cargo el área de Seguros a nivel Internacional. Además, entre otros cargos que ha ocupado durante su carrera profesional, destacan haber sido miembro del Consejo de Administración en American Express Bank México y Presidente de la American </span><span style="font-family:Arial; font-size:11pt">Chamber</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">of</span><span style="font-family:Arial; font-size:11pt"> Commerce México. Se graduó con honores en Ciencias Sociales por la Universidad Argentina de la Empresa y cuenta con una Maestría en Alta Dirección en las Escuela de Negocios del IAE, así como con un Doctorado en Administración de Empresas por la Universidad de Belgrano.</span>
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<span style="font-family:Arial; font-size:11pt">Andrés Eugenio Sucre Pulido es el fundador y Director General de Reservemos empresa líder en tecnología de transporte terrestre. Previamente participo en Deutsche Bank. Cuenta con una Ingeniería Administrativa con especialidad en Estudios Internacionales por el Instituto Politécnico de Worcester y tiene una Maestría en Administración (MBA) por la Escuela de Administración y Dirección de Empresas Sloan (MIT Sloan </span><span style="font-family:Arial; font-size:11pt">School</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">of</span><span style="font-family:Arial; font-size:11pt"> Management).</span>
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<span style="font-family:Arial; font-size:11pt">Vanessa</span><span style="font-family:Arial; font-size:11pt; font-weight:bold"> </span><span style="font-family:Arial; font-size:11pt">Rubio Márquez fue Senadora de la República y previamente ocupo el cargo de subsecretaria de hacienda y crédito público (Secretaría de Hacienda y Crédito Público). También ocupo los cargos de subsecretaria de planeación, evaluación y desarrollo regional (Secretaría de Desarrollo) y de subsecretaria para América Latina y el Caribe (Secretaria de Relaciones Exteriores). Cuenta con una licenciatura en Relaciones Internacionales por la Universidad Nacional Autónoma de México (U.N.A.M.) y tiene una Maestría en Relaciones Internacionales por la London </span><span style="font-family:Arial; font-size:11pt">School</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">of</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Economics</span><span style="font-family:Arial; font-size:11pt"> and </span><span style="font-family:Arial; font-size:11pt">Political</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Science</span><span style="font-family:Arial; font-size:11pt">.</span>
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<span style="font-family:Arial; font-size:11pt">Lorena Margarita Cárdenas Costas actualmente Consejera Independiente en Fibra </span><span style="font-family:Arial; font-size:11pt">Inn</span><span style="font-family:Arial; font-size:11pt"> y Consejera Independiente en las entidades subsidiarias del Grupo Financiero HSBC (México). Fue Directora de Finanzas en Abilia</span><span style="font-family:Arial; font-size:11pt; letter-spacing:0.15pt"> y previamente Directora de Finanzas de VivaAerobus y Crédito Real. Estudió Contaduría Pública en el Instituto Tecnológico y de Estudios Superiores de Monterrey (ITESM) y cuenta con una Maestría en Administración con concentración en Negocios Internacionales por la </span><span style="font-family:Arial; font-size:11pt; font-style:italic; letter-spacing:0.15pt">University</span><span style="font-family:Arial; font-size:11pt; font-style:italic; letter-spacing:0.15pt"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic; letter-spacing:0.15pt">of</span><span style="font-family:Arial; font-size:11pt; font-style:italic; letter-spacing:0.15pt"> Miami</span><span style="font-family:Arial; font-size:11pt; letter-spacing:0.15pt">.</span>
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<span style="font-family:Arial; font-size:11pt">Los consejeros no tienen un periodo específico en términos de la legislación aplicable; sin embargo, por un lineamiento interno denominado “Subsidiaries </span><span style="font-family:Arial; font-size:11pt">Accountability</span><span style="font-family:Arial; font-size:11pt"> Framework” los Consejeros Independientes estarán en sus cargos por 2 periodos de 3 años, sujetos a las aprobaciones del Comité de Nominaciones que tiene establecido en Grupo en su entidad matriz (UK).</span>
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<span style="font-family:Arial; font-size:11pt">Jorge Arce es Director General (CEO) de HSBC México desde 9 enero de 2020. Previamente trabajó en Banco Santander México ocupando el cargo de Director General adjunto de Mercados, Banca Corporativa y de Inversiones. Licenciado en finanzas por la Universidad de Pace en Nueva York.</span>
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<span style="font-family:Arial; font-size:11pt">María Isabel </span><span style="font-family:Arial; font-size:11pt">Ganduglia</span><span style="font-family:Arial; font-size:11pt">, </span><span style="font-family:Arial; font-size:11pt">Chief</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Financial</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Officer</span><span style="font-family:Arial; font-size:11pt"> (CFO) para México y Latinoamérica. Responsable de liderar la estrategia financiera de la región, asegurando una gestión eficiente y alineada con los objetivos globales del banco. Con más de 20 años de experiencia en el sector financiero, Isabel ha desempeñado diversos roles ejecutivos en áreas clave de finanzas. Es Licenciada en Economía Empresarial por la Universidad Torcuato Di Tella de Buenos Aires y cuenta con un MBA por </span><span style="font-family:Arial; font-size:11pt; font-style:italic">The</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic">Warton</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic">School</span><span style="font-family:Arial; font-size:11pt">, lo que respalda su sólida trayectoria profesional.</span>
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<span style="font-family:Arial; font-size:11pt">Juan Carlos Pérez Rocha es Head de </span><span style="font-family:Arial; font-size:11pt">Wholesale</span><span style="font-family:Arial; font-size:11pt"> HSBC México. Posee una larga trayectoria en la banca en nuestro país y una exitosa carrera en HSBC. Se unió a nuestro banco en el 2014 como Director de </span><span style="font-family:Arial; font-size:11pt">Large</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Corporate</span><span style="font-family:Arial; font-size:11pt"> México. En el 2016, asume también la responsabilidad del segmento en Latinoamérica y en febrero de 2019 fue designado Director Interino (</span><span style="font-family:Arial; font-size:11pt">Acting</span><span style="font-family:Arial; font-size:11pt">) de CIB México, a la par de su responsabilidad al frente de LC LAM y México.</span>
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<span style="font-family:Arial; font-size:11pt">Luis Alvarado es Director General Adjunto de Global </span><span style="font-family:Arial; font-size:11pt">Markets</span><span style="font-family:Arial; font-size:11pt">. Luis es un banquero muy reconocido en el medio financiero gracias a sus logros y vasta experiencia de casi 30 años principalmente en las áreas de mercados, ventas, trading y tesorería. Se une a nuestro banco procedente de </span><span style="font-family:Arial; font-size:11pt">Credit</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Suisse</span><span style="font-family:Arial; font-size:11pt"> donde ocupó distintas posiciones de alta dirección durante 19 años, siendo la última como CEO y Head </span><span style="font-family:Arial; font-size:11pt">of</span><span style="font-family:Arial; font-size:11pt"> Trading and Sales de Banco </span><span style="font-family:Arial; font-size:11pt">Credit</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Suisse</span><span style="font-family:Arial; font-size:11pt"> México. Previamente en su carrera, lideró áreas afines en otras instituciones financieras como Bank </span><span style="font-family:Arial; font-size:11pt">of</span><span style="font-family:Arial; font-size:11pt"> America, BBVA y </span><span style="font-family:Arial; font-size:11pt">Probursa</span><span style="font-family:Arial; font-size:11pt">, tanto en México como en Nueva York.</span>
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<span style="font-family:Arial; font-size:11pt">Laura Perea ingresó a HSBC en octubre de 2013 a su puesto como DGA de RH México, con muchos logros en su exitosa trayectoria al frente de la Dirección de Recursos Humanos de HBMX. En octubre 2021 asumió la responsabilidad adicional de dirigir al equipo y la agenda de RH LAM como Directora de Recursos Humanos Latinoamérica y México. Laura cursó una licenciatura en Psicología en la Universidad Cristóbal Colón de México y es </span><span style="font-family:Arial; font-size:11pt">Six</span><span style="font-family:Arial; font-size:11pt"> Sigma Green </span><span style="font-family:Arial; font-size:11pt">Belt</span><span style="font-family:Arial; font-size:11pt"> y Coach certificada.</span>
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<span style="font-family:Arial; font-size:11pt">Lyssette Bravo Directora de Comunicación Externa. Es licenciada en Ciencias de la Comunicación y se unió a HSBC México desde el 2010.</span>
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<span style="font-family:Arial; font-size:11pt">Bárbara </span><span style="font-family:Arial; font-size:11pt">Pickering</span><span style="font-family:Arial; font-size:11pt"> Fonseca - Bárbara se unió a HSBC en 2011 como abogada en el área legal, para convertirse en 2013 en abogada de la Oficina de la Secretaría del Consejo. En 2015, fue nombrada Head LAM de FCC </span><span style="font-family:Arial; font-size:11pt">Risk</span><span style="font-family:Arial; font-size:11pt"> and </span><span style="font-family:Arial; font-size:11pt">Strategy</span><span style="font-family:Arial; font-size:11pt"> y, en 2017 Head de </span><span style="font-family:Arial; font-size:11pt">Compliance</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Governance</span><span style="font-family:Arial; font-size:11pt"> and Reporting LAM y MX. Actualmente, es </span><span style="font-family:Arial; font-size:11pt">Chief</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">of</span><span style="font-family:Arial; font-size:11pt"> Staff para LAM y MX DBS y Secretaria Interina del Consejo de Administración de HSBC México. Es abogada con más de 15 años de experiencia, especializada en litigio civil y mercantil y arbitraje, quiebras, fusiones y adquisiciones, así como gobierno corporativo. Forma parte del Comité Ejecutivo en México desde enero 2023.</span>
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<span style="font-family:Arial; font-size:11pt">Guillermo </span><span style="font-family:Arial; font-size:11pt">Colquhoun</span><span style="font-family:Arial; font-size:11pt"> es el Director General de Riesgos en México, tiene más de diez años trabajando para el Grupo HSBC habiendo desempeñado distintas posiciones regionales en Argentina, Brasil y México dentro del área de </span><span style="font-family:Arial; font-size:11pt">Auditoria</span><span style="font-family:Arial; font-size:11pt"> Interna. Cuenta con 20 años de experiencia trabajando en el sistema financiero habiendo desempeñado roles en Banca Comercial, Riesgos y </span><span style="font-family:Arial; font-size:11pt">Auditoria</span><span style="font-family:Arial; font-size:11pt"> Interna. Dentro de los grupos financieros en las que he trabajado destacan HSBC, Santander y BBVA. El señor </span><span style="font-family:Arial; font-size:11pt">Colquhoun</span><span style="font-family:Arial; font-size:11pt"> cuenta con una Licenciatura en Administración, con especialización en Finanzas Corporativas y tiene dos certificaciones internacionales una en </span><span style="font-family:Arial; font-size:11pt">Auditoria</span><span style="font-family:Arial; font-size:11pt"> Interna (CIA) y otra en Prevención de Lavado de Dinero (ACAMS).</span>
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<span style="font-family:Arial; font-size:11pt">Leopoldo Ortega es el DGA Jurídico. Leopoldo se unió a HSBC en 2016. Ha desarrollado la mayor parte de sus más de 25 años de trayectoria profesional trabajando para bancos globales, incluyendo JP Morgan y Citigroup, y tiene una sólida experiencia tanto en las leyes mexicanas como internacionales. Es abogado y posee una maestría en Leyes por la Universidad de Columbia en Nueva York, así como estudios de posgrado en el ITAM.</span>
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<span style="font-family:Arial; font-size:11pt">Mauricio del </span><span style="font-family:Arial; font-size:11pt">Pozzo</span><span style="font-family:Arial; font-size:11pt"> es </span><span style="font-family:Arial; font-size:11pt">Chief</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Operating</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Officer</span><span style="font-family:Arial; font-size:11pt"> (COO) LAM y México. Él ha estado en el Banco por más de 25 años y ha desempeñado diversos roles en Seguros, Administración Patrimonial, Banca Privada y Banca Personal. Ha liderado equipos multifuncionales extensos a través de nuestros centros de atención y aporta un cúmulo de experiencia en crecimiento y transformación del negocio. Es Actuario por parte de la Universidad Anáhuac del Sur. Toma el puesto proveniente de IWPB como Director de Canales Directos e Innovación para México y Presidente del Consejo de HSBC Seguros México.</span>
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<span style="font-family:Arial; font-size:11pt">Jorge Berdeja fue designado como CISO en Octubre del 2019. Se unió a HSBC en 2012. Es ingeniero en Comunicaciones y Electrónica con Diplomado en Seguridad y una Maestría en Administración.</span>
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<span style="font-family:Arial; font-size:11pt">Lucy Williams ha sido Head </span><span style="font-family:Arial; font-size:11pt">Conduct</span><span style="font-family:Arial; font-size:11pt">, </span><span style="font-family:Arial; font-size:11pt">Policy</span><span style="font-family:Arial; font-size:11pt"> and </span><span style="font-family:Arial; font-size:11pt">Whistleblowing</span><span style="font-family:Arial; font-size:11pt"> de Grupo y miembro del Comité Ejecutivo de </span><span style="font-family:Arial; font-size:11pt">Regulatory</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Compliance</span><span style="font-family:Arial; font-size:11pt"> de Grupo. Previamente, fue Head de </span><span style="font-family:Arial; font-size:11pt">Regulatory</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Compliance</span><span style="font-family:Arial; font-size:11pt"> y miembro del Comité Ejecutivo de HSBC Reino Unido. Se unió a HSBC en junio de 2013, proveniente de </span><span style="font-family:Arial; font-size:11pt">Prudential</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">plc</span><span style="font-family:Arial; font-size:11pt">, y su carrera incluye una variedad de roles ejecutivos en los sectores de </span><span style="font-family:Arial; font-size:11pt">Compliance</span><span style="font-family:Arial; font-size:11pt">, financiero y asuntos </span><span style="font-family:Arial; font-size:11pt">gubernamentales.Es</span><span style="font-family:Arial; font-size:11pt"> una apasionada defensora de las artes y la educación y actualmente es miembro del Consejo de Royal Shakespeare Company. A su marido y </span><span style="font-family:Arial; font-size:11pt">sus tres hijos les encanta pasar su tiempo libre en las montañas y disfrutan el teatro y la música.</span>
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<span style="font-family:Arial; font-size:11pt">Mario Arias; Director de Ombudsman. se unió a HSBC México en el 2018, es Ingeniero Industrial y de Sistemas con Maestría de Administración de Negocios.</span>
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<span style="font-family:Arial; font-size:11pt">Gabriel Sánchez, Director de Auditoría Interna. Cuenta con más de dos décadas de liderazgo global en auditoría, administración de riesgos y cumplimiento normativo en sectores de servicios financieros y automotrices. Ha desempeñado roles ejecutivos en Citi, Banamex, Nissan y General Electric donde lideró consistentemente equipos de alto desempeño y entregó resultados transformadores. Más recientemente, actuó como Líder Global de Auditoría para Citi </span><span style="font-family:Arial; font-size:11pt">Wealth</span><span style="font-family:Arial; font-size:11pt"> y Head de Auditoría para Citi Singapur. </span>
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<span style="font-family:Arial; font-size:11pt">HSBC México, en su carácter de miembro de Grupo Financiero HSBC y HSBC Holdings, cuenta con códigos de conducta y códigos de gobierno corporativo que aplican no solo a Consejeros y Directivos Relevantes, sino a todo empleado de HSBC. Para mayor detalle sobre los valores y principios de HSBC se puede consultar la siguiente página web: </span><a style="color:#467886" href="http://www.hsbc.com/about-hsbc/corporate-governance"><span style="font-family:Arial; font-size:11pt; text-decoration:underline; color:#467886">http://www.hsbc.com/about-hsbc/corporate-governance</span></a><span style="font-family:Arial; font-size:11pt">.</span>
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<span style="font-family:Arial; font-size:11pt; font-weight:bold">Sueldos y Compensaciones </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las compensaciones anualizadas totales que recibieron los Directivos Relevantes por el periodo que estuvieron durante el ejercicio 2025 en HSBC México, por concepto de retribuciones ascendieron a MXN335. Este monto incluye sueldos, gratificaciones, prima de vacaciones y bonos de desempeño.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El monto registrado por HSBC México durante el periodo 2025 para el plan de pensión de acuerdo al esquema individual que este grupo de directivos pudiera tener, asciende a MXN16.3, de los cuales MXN10.2 corresponden a aportaciones de HSBC y MXN6.1 a las aportaciones individuales de los directivos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">La única compensación otorgada a los Consejeros Independientes de HSBC México es de $40,000 dólares norteamericanos anuales a los miembros por su asistencia a las juntas de Consejo de Administración en cumplimiento de los acuerdos de la correspondiente Asamblea General Ordinaria de Accionistas el 30 de abril 2025. En adición, los Consejeros Independientes reciben pagos por:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">(i) Sesiones del Comité de Auditoría: $38,000 dólares norteamericanos al presidente y $33,000 dólares norteamericanos a los miembros de este Comité; </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">(</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) Comité de Remuneraciones: $30,000 dólares norteamericanos al presidente y $24,000 dólares norteamericanos a los miembros del Comité de Remuneraciones.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">(</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) Comité de Riesgos: $30,000 dólares norteamericanos a la miembro participante en este comité.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los consejeros que son ejecutivos del Grupo, no reciben remuneración alguna por su participación en el Consejo de Administración y los Comités respectivos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">En el caso de los Directivos Relevantes, el esquema de Compensación se integra por los siguientes elementos: </span>
</p>
<p style="margin:0pt; text-align:justify">
<br /><span style="font-family:Arial; font-size:11pt">Compensación Fija</span>
</p>
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<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Sueldo base</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Aguinaldo</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Prima Vacacional</span>
</p>
<p style="margin:0pt; text-align:justify">
<br /><span style="font-family:Arial; font-size:11pt">Compensación Variable</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Bono con base en resultados globales, locales e individuales (entregado en forma de efectivo o acciones)</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Prestaciones y Beneficios</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Vacaciones</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Servicio Médico/Póliza de GMM</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Club Deportivo</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Plan de ahorro voluntario en acciones</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">IMSS cesantía y vejez</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Plan de retiro (CARES Patrimonial/CARES Médico)</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">SAR</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Infonavit</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Créditos personal, automóvil e hipotecario</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Automóvil (criterios de elegibilidad)</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Estacionamiento (criterios de elegibilidad)</span>
</p>
<p style="margin:0pt 0pt 0pt 36pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Gratificación por traslado y ayuda por mudanza (por necesidades del Banco)</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-style:italic">***Con base en nuestros registros, no existe parentesco por consanguineidad o afinidad entre los miembros del Consejo de Administración ni entre los Directivos Relevantes de HSBC México.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Es importante precisar que los directivos relevantes y empleados del Banco como parte de la retribución recibida, cuentan con bonos de desempeño, los cuales en algunos casos; consisten en acciones o títulos representativos del capital social de HSBC Holdings.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco (HSBC México, S.A.) es una subsidiaria 99.99% propiedad de Grupo Financiero HSBC, S.A. de C.V. Grupo Financiero HSBC, S.A. de C.V. es a su vez, una subsidiaria directamente controlada por el 99.99% propiedad de HSBC </span><span style="font-family:Arial; font-size:11pt">Latin</span><span style="font-family:Arial; font-size:11pt"> America Holdings (UK) </span><span style="font-family:Arial; font-size:11pt">Limited</span><span style="font-family:Arial; font-size:11pt"> (HLAH), la cual a su vez es totalmente controlada por HSBC Holdings </span><span style="font-family:Arial; font-size:11pt">plc</span><span style="font-family:Arial; font-size:11pt">, con sede en Londres, Gran Bretaña, por lo cual HSBC Holdings </span><span style="font-family:Arial; font-size:11pt">plc</span><span style="font-family:Arial; font-size:11pt"> tiene indirectamente control sobre total de HSBC México, S.A.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Comités y Órganos Intermedios. </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">(i) Comité de Activos y Pasivos (ALCO) </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Banco cuenta con un comité a nivel internacional para la administración de activos, pasivos y capital denominado ALCO, el cual tiene como objetivos principales:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Administrar el crecimiento del balance mediante la distribución y utilización eficiente de los recursos.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Maximizar la utilidad mediante la mejora de la utilidad neta, promoviendo la eficiencia en el uso del capital y el retorno sobre activos ponderados por riesgo, en un contexto de una política de crecimiento claramente definida.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Promover la eficiencia en el uso del capital y la financiación mediante el establecimiento de curvas apropiadas de precios de transferencia de fondos, incluidas primas de liquidez y </span><span style="font-family:Arial; font-size:11pt">Liquidity</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Recharges</span><span style="font-family:Arial; font-size:11pt"> para la gestión del riesgo de liquidez y tipos de interés.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Revisar todos los riesgos y asegurar su prudente administración. </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Monitorear el entorno y medir el impacto actual y proyectado en rentabilidad y balance.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:'Noto Sans Symbols'; font-size:11pt">●</span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Entender la interacción de los diferentes portafolios del balance y los elementos que lo afectan, tales como los precios de transferencia y asignación de recursos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:6pt 0pt; text-align:justify; line-height:110%; font-size:11.5pt">
<span style="font-family:Arial; font-size:11.5pt">El Comité de Activos y Pasivos (ALCO) es el principal vehículo para alcanzar estos objetivos y su función como comité asesor es dar soporte al Director de Finanzas en sus responsabilidades individuales por la Gestión de Activos, Pasivos y Capital.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El ALCO es presidido por el DGA de Finanzas y se integra de la siguiente forma al 31 de diciembre de 2025</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 6pt 36pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold; font-style:italic">NOMBRE DEL COMITÉ:</span><span style="font-family:Arial; font-size:9pt; font-weight:bold; font-style:italic"> </span><span style="font-family:Arial; font-size:9pt; font-weight:bold; font-style:italic"> </span><span style="font-family:Arial; font-size:9pt; font-weight:normal">Comité de Activos y Pasivos</span>
</p>
<p style="margin:0pt 0pt 6pt 36pt">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Integrantes:</span>
</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin-left:0pt">
<thead>
<tr>
<td style="background-color:#e5e5e5; border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-left-color:#000000; border-left-style:dotted; border-left-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; border-top-color:#000000; border-top-style:dotted; border-top-width:1pt; padding-left:4.9pt; padding-right:4.9pt; vertical-align:top; width:159.9pt">
<p style="margin:2pt 0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Nombre</span>
</p>
</td>
<td style="background-color:#d9d9d9; border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; border-top-color:#000000; border-top-style:dotted; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:top; width:179.95pt">
<p style="margin:2pt 0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Puesto</span>
</p>
</td>
<td style="background-color:#d9d9d9; border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; border-top-color:#000000; border-top-style:dotted; border-top-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:73pt">
<p style="margin:2pt 0pt; text-align:center">
<span style="font-family:Arial; font-size:9pt; font-weight:bold">Función</span>
</p>
</td>
</tr>
</thead>
<tbody>
<tr style="height:13.65pt">
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-left-color:#000000; border-left-style:dotted; border-left-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:4.9pt; padding-right:4.9pt; vertical-align:middle; width:159.9pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Jorge Arturo Arce Gama</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:179.95pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Director General (CEO)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:73pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Miembro </span>
</p>
</td>
</tr>
<tr style="height:14.5pt">
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-left-color:#000000; border-left-style:dotted; border-left-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:4.9pt; padding-right:4.9pt; vertical-align:middle; width:159.9pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">María Isabel </span><span style="font-family:Aptos; font-size:10pt">Ganduglia</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:179.95pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">DGA Finanzas (CFO)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:73pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Presidente </span>
</p>
</td>
</tr>
<tr style="height:13.35pt">
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-left-color:#000000; border-left-style:dotted; border-left-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:4.9pt; padding-right:4.9pt; vertical-align:middle; width:159.9pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Guillermo Roberto </span><span style="font-family:Aptos; font-size:10pt">Colquhoun</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:179.95pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">DGA Riesgos y Cumplimiento (CRO)</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:73pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Miembro </span>
</p>
</td>
</tr>
<tr style="height:13.35pt">
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-left-color:#000000; border-left-style:dotted; border-left-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:4.9pt; padding-right:4.9pt; vertical-align:middle; width:159.9pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Vacante</span>
</p>
</td>
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<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">DGA Banca de Consumo</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:73pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Miembro </span>
</p>
</td>
</tr>
<tr style="height:13.35pt">
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-left-color:#000000; border-left-style:dotted; border-left-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:4.9pt; padding-right:4.9pt; vertical-align:middle; width:159.9pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Juan Carlos Pérez Rocha Ituarte</span>
</p>
</td>
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<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">DGA Banca Mayorista </span>
</p>
</td>
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<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Miembro </span>
</p>
</td>
</tr>
<tr style="height:13.35pt">
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-left-color:#000000; border-left-style:dotted; border-left-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:4.9pt; padding-right:4.9pt; vertical-align:middle; width:159.9pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Luis Eugenio Alvarado Mejía</span>
</p>
</td>
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<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">DGA Mercados y Servicios de Valores</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:73pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Miembro</span>
</p>
</td>
</tr>
<tr style="height:13.35pt">
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-left-color:#000000; border-left-style:dotted; border-left-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:4.9pt; padding-right:4.9pt; vertical-align:middle; width:159.9pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Carlos González </span><span style="font-family:Aptos; font-size:10pt">Fillad</span>
</p>
</td>
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<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Director de Soluciones de Pagos Globales</span>
</p>
</td>
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:5.4pt; padding-right:4.9pt; vertical-align:middle; width:73pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Miembro</span>
</p>
</td>
</tr>
<tr style="height:13.35pt">
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-left-color:#000000; border-left-style:dotted; border-left-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:4.9pt; padding-right:4.9pt; vertical-align:middle; width:159.9pt">
<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">Bárbara </span><span style="font-family:Arial; font-size:9pt">Pickering</span>
</p>
</td>
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<p style="margin:2pt 0pt">
<span style="font-family:Arial; font-size:9pt">DGA Estrategia y Planeación</span>
</p>
</td>
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<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Miembro</span>
</p>
</td>
</tr>
<tr style="height:13.35pt">
<td style="border-bottom-color:#000000; border-bottom-style:dotted; border-bottom-width:1pt; border-left-color:#000000; border-left-style:dotted; border-left-width:1pt; border-right-color:#000000; border-right-style:dotted; border-right-width:1pt; padding-left:4.9pt; padding-right:4.9pt; vertical-align:middle; width:159.9pt">
<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Alfredo Sordo</span>
</p>
</td>
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<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Director de Tesorería Global</span>
</p>
</td>
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<p style="margin:2pt 0pt">
<span style="font-family:Aptos; font-size:10pt">Secretario</span>
</p>
</td>
</tr>
</tbody>
</table>
<p style="margin:0pt 0pt 0pt 35.45pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Las sesiones del Comité se realizan una vez al mes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Para fortalecer las decisiones tomadas, los Comités de Activos y Pasivos locales, como el caso de México, reportan directamente a la Dirección Central de Finanzas del Grupo en Londres.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">(</span><span style="font-family:Arial; font-size:11pt">ii</span><span style="font-family:Arial; font-size:11pt">) </span><a name="_Hlk227328956" href="#" ><span style="font-family:Arial; font-size:11pt">Comité de Riesgos (RMM) </span></a>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 6pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Propósito. </span><span style="font-family:Arial; font-size:11pt">El Comité de Riesgos es un comité de gobierno formal establecido para apoyar al Director General Adjunto de Riesgos y Cumplimiento (CRCO) de LAM y HBMX en la gestión de todos los riesgos, incluyendo políticas y marcos clave para dicha </span><span style="font-family:Arial; font-size:11pt">la gestión del riesgo dentro de Grupo Financiero HSBC, S.A. de C.V. y sus filiales delegadas al LAM y HBMX CRCO por el CEO de LAM y HBMX. </span>
</p>
<p style="margin:0pt 0pt 6pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Autoridad. </span><span style="font-family:Arial; font-size:11pt">La autoridad de toma de decisiones en relación con todos los asuntos considerados por el Comité de Riesgos permanece en manos del LAM y del HBMX CRCO, salvo cuando la autoridad de toma de decisiones sea responsabilidad de otro miembro del Comité de Riesgos que posea experiencia en la materia (el "Ejecutivo Responsable") o esté dentro del alcance de otro miembro del Comité de Riesgos conforme al Marco de Gestión de Riesgos (RMF) y/o la regulación local.</span>
</p>
<p style="margin:0pt 0pt 6pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Roles y Responsabilidades</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">                   </span><span style="font-family:Arial; font-size:11pt">Revis</span><span style="font-family:Arial; font-size:11pt">ar</span><span style="font-family:Arial; font-size:11pt"> y </span><span style="font-family:Arial; font-size:11pt">recomendar</span><span style="font-family:Arial; font-size:11pt"> la aprobación de</span><span style="font-family:Arial; font-size:11pt">l </span><span style="font-family:Arial; font-size:11pt">Apetito de Riesgo al menos una vez al año y </span><span style="font-family:Arial; font-size:11pt">se </span><span style="font-family:Arial; font-size:11pt">revise su eficacia operativa.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">                   </span><span style="font-family:Arial; font-size:11pt">Supervisar y gestionar el perfil de riesgo actual de HBMX, con especial atención a las tendencias, incumplimientos actuales o previstos de apetito/tolerancia al riesgo u otros asuntos significativos, y acciones recomendadas.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">                   </span><span style="font-family:Arial; font-size:11pt">Revisar, debatir y abordar riesgos financieros y no financieros materiales según la taxonomía L1 detallada en el RMF.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">                   </span><span style="font-family:Arial; font-size:11pt">Revisar el progreso de cualquier programa de remediación o transformación relacionado con riesgos materiales, incluyendo diferencias en las expectativas regulatorias y riesgos residuales.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">                   </span><span style="font-family:Arial; font-size:11pt">Consider</span><span style="font-family:Arial; font-size:11pt">ar</span><span style="font-family:Arial; font-size:11pt"> cómo pueden evolucionar los riesgos actuales y emergentes más importantes de HBMX, debido a cambios en el entorno operativo externo, incluyendo la preparación para gestionar o evitar nuevos riesgos dentro del apetito.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">                   </span><span style="font-family:Arial; font-size:11pt">Considera</span><span style="font-family:Arial; font-size:11pt">r</span><span style="font-family:Arial; font-size:11pt"> l</span><span style="font-family:Arial; font-size:11pt">os envíos</span><span style="font-family:Arial; font-size:11pt"> regulatori</span><span style="font-family:Arial; font-size:11pt">o</span><span style="font-family:Arial; font-size:11pt">s materiales y ha</span><span style="font-family:Arial; font-size:11pt">cer</span><span style="font-family:Arial; font-size:11pt"> recomendaciones para su aprobación, según sea necesario.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">                   </span><span style="font-family:Arial; font-size:11pt">Considerar las causas raíz y las lecciones aprendidas de eventos materiales, </span><span style="font-family:Arial; font-size:11pt">problemas</span><span style="font-family:Arial; font-size:11pt"> y hallazgos de auditorías internas.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">                   </span><span style="font-family:Arial; font-size:11pt">Asegurar que las prácticas de gestión de riesgos apoyen los resultados deseados de conducta y cultura, y que generen una cultura de apoyo en relación con la gestión y los controles de riesgos.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">                   </span><span style="font-family:Arial; font-size:11pt">Revisa</span><span style="font-family:Arial; font-size:11pt">r</span><span style="font-family:Arial; font-size:11pt"> al menos una vez al año un informe del Oficial de Cumplimiento sobre la eficacia de las políticas, controles y procedimientos de </span><span style="font-family:Arial; font-size:11pt">PLD</span><span style="font-family:Arial; font-size:11pt">, sanciones y financiación del terrorismo de HBMX, incluyendo las capacidades y experiencia de los equipos de delitos financieros pertinentes.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">                   </span><span style="font-family:Arial; font-size:11pt">Recib</span><span style="font-family:Arial; font-size:11pt">ir</span><span style="font-family:Arial; font-size:11pt"> informes sobre los principales riesgos del área de negocio, incluyendo la eficacia de las capacidades operativas, resultados para clientes, concentraciones de terceros, programas de remediación y financiamiento.</span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">                   </span><span style="font-family:Arial; font-size:11pt">Cualquier otro elemento que requiera </span><span style="font-family:Arial; font-size:11pt">atención de </span><span style="font-family:Arial; font-size:11pt">la dirección del LAM y HBMX CRCO.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Los miembros del Comité de Riesgos son definidos por la regulación local (Circular Única de Bancos artículo 70), entre los asistentes permanentes incluye al HBMX Comité Operativo y todos los especialistas de riesgos. Los miembros a febrero 2026 son:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:453.65pt">
<tr style="height:12.6pt">
<td style="background-color:#c00000; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d7d8d6; border-left-style:solid; border-left-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.2pt; padding-right:2.7pt; vertical-align:middle; width:123.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#ffffff">Miembros regulatorios</span>
</p>
</td>
<td style="background-color:#c00000; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.7pt; vertical-align:middle; width:104.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#ffffff">Nombre</span>
</p>
</td>
<td style="background-color:#c00000; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.7pt; vertical-align:middle; width:142.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#ffffff">Rol</span>
</p>
</td>
<td style="background-color:#c00000; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d7d8d6; border-right-style:solid; border-right-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.2pt; vertical-align:middle; width:61.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:10pt; font-weight:bold; color:#ffffff">Facultad</span>
</p>
</td>
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<tr style="height:12.6pt">
<td style="border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d7d8d6; border-left-style:solid; border-left-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.2pt; padding-right:2.7pt; vertical-align:middle; width:123.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">LAM and HBMX Chief Risk and Compliance Officer </span>
</p>
</td>
<td style="border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.7pt; vertical-align:middle; width:104.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Guillermo </span><span style="font-family:Arial; font-size:9pt">Colquhoun</span>
</p>
</td>
<td style="border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.7pt; vertical-align:middle; width:142.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Presidente del Comité y Miembro del Consejo</span>
</p>
</td>
<td style="border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d7d8d6; border-right-style:solid; border-right-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.2pt; vertical-align:middle; width:61.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Voz y voto</span>
</p>
</td>
</tr>
<tr style="height:12.6pt">
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">LAM and HBMX Chief Executive Officer</span>
</p>
</td>
<td style="background-color:#f2f2f2; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.7pt; vertical-align:middle; width:104.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Jorge Arce</span>
</p>
</td>
<td style="background-color:#f2f2f2; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.7pt; vertical-align:middle; width:142.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Miembro del comité y del Consejo</span>
</p>
</td>
<td style="background-color:#f2f2f2; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d7d8d6; border-right-style:solid; border-right-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.2pt; vertical-align:middle; width:61.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Voz y voto</span>
</p>
</td>
</tr>
<tr style="height:12.6pt">
<td style="background-color:#ffffff; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d7d8d6; border-left-style:solid; border-left-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.2pt; padding-right:2.7pt; vertical-align:middle; width:123.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HBMX Non-Executive Director</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.7pt; vertical-align:middle; width:104.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Claudia </span><span style="font-family:Arial; font-size:9pt">Jañez</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.7pt; vertical-align:middle; width:142.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Miembro del comité y del Consejo</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d7d8d6; border-right-style:solid; border-right-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.2pt; vertical-align:middle; width:61.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Voz y voto</span>
</p>
</td>
</tr>
<tr style="height:12.6pt">
<td style="background-color:#f2f2f2; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d7d8d6; border-left-style:solid; border-left-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.2pt; padding-right:2.7pt; vertical-align:middle; width:123.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HBMX Head of Risk Management Unit (UAIR)</span>
</p>
</td>
<td style="background-color:#f2f2f2; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.7pt; vertical-align:middle; width:104.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Eric Riquelme</span>
</p>
</td>
<td style="background-color:#f2f2f2; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.7pt; vertical-align:middle; width:142.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Miembro</span>
</p>
</td>
<td style="background-color:#f2f2f2; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d7d8d6; border-right-style:solid; border-right-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.2pt; vertical-align:middle; width:61.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Voz y voto</span>
</p>
</td>
</tr>
<tr style="height:12.6pt">
<td style="background-color:#f2f2f2; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-left-color:#d7d8d6; border-left-style:solid; border-left-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.2pt; padding-right:2.7pt; vertical-align:middle; width:123.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">HBMX Head of Internal Audit</span>
</p>
</td>
<td style="background-color:#f2f2f2; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.7pt; vertical-align:middle; width:104.4pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Gabriel Sánchez</span>
</p>
</td>
<td style="background-color:#f2f2f2; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.7pt; vertical-align:middle; width:142.55pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Miembro</span>
</p>
</td>
<td style="background-color:#f2f2f2; border-bottom-color:#d7d8d6; border-bottom-style:solid; border-bottom-width:1pt; border-right-color:#d7d8d6; border-right-style:solid; border-right-width:1pt; border-top-color:#d7d8d6; border-top-style:solid; border-top-width:1pt; padding-left:2.7pt; padding-right:2.2pt; vertical-align:middle; width:61.05pt">
<p style="margin:0pt">
<span style="font-family:Arial; font-size:9pt">Voz sin voto</span>
</p>
</td>
</tr>
</table>
</div>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">(</span><span style="font-family:Arial; font-size:11pt">iii</span><span style="font-family:Arial; font-size:11pt">) Comité de Auditoría</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">HSBC México cuenta con un Comité de Auditoría, el cual tiene:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Objetivo: El Comité reportará al Consejo y tendrá, principalmente, la responsabilidad de supervisar, informar y asegurarle a éste último sobre la efectividad del sistema de control interno y el cumplimiento en la entrega de la información financiera.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Responsabilidades: El Comité de Auditoría tendrá, entre otras, las siguientes responsabilidades:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Dar seguimiento a las actividades de Auditoría Interna y Contraloría Interna y la persona responsable de vigilar el cumplimiento de las Disposiciones aplicables a entidades financieras y demás personas que proporciones servicios de inversión. </span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Supervisar la información financiera y contable se formule de acuerdo a los lineamientos y disposiciones.</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cumplir con las obligaciones que señala la ley.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Integración: El Comité de Auditoría se integra en su totalidad por miembros del Consejo que podrán ser propietarios o suplentes de la institución debiendo ser en su mayoría independientes, designados por el Consejo a propuesta de su Presidente:</span>
</p>
<p style="margin:5pt 0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt; font-weight:bold; font-style:italic">Comité de Auditoría </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Pedro Moreno (Presidente)</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Alberto Ardura</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Andrés Sucre</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Vanessa Rubio</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Comité de Auditoría, en adición a lo señalado previamente, deberá proponer para aprobación del Consejo, lo siguiente:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">La designación del auditor interno de la Institución.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">El código de conducta de las Instituciones elaborado, en su caso, por la Dirección General.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Los cambios, en su caso, a las políticas contables referentes al registro, valuación de rubros de los estados financieros y, presentación y revelación de información de la institución, a fin de que esta última sea completa, correcta, precisa, íntegra, confiable y oportuna, elaborados por el director general de acuerdo con la normatividad aplicable. En todo caso, el comité también podrá proponer los cambios citados cuando lo considere necesario para la Institución, oyendo la opinión de la Dirección General.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Las normas que regirán el funcionamiento del propio comité, enviándose posteriormente a la Comisión para su conocimiento.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Asimismo, el Comité de Auditoría, en el desarrollo de sus funciones, deberá, por lo menos, desempeñar las actividades siguientes:</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Contar con un registro permanentemente actualizado de los objetivos del Sistema de Control Interno, de los lineamientos para su implementación, así como de los manuales que se consideren relevantes para la operación acorde al objeto de la Institución, el cual deberá ser elaborado por el o los responsables de las funciones de Contraloría Interna de la Institución.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Revisar y vigilar, con apoyo de los responsables de las funciones de Auditoría Interna, que los referidos manuales de operación conforme al objeto de la Institución, se apeguen al Sistema de Control Interno.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Revisar, con base en los informes del área de Auditoría Interna y externa cuando menos una vez al año o cuando lo requiera la Comisión, que el programa de Auditoría Interna se lleve a cabo de conformidad con estándares de calidad adecuados en materia contable y de controles internos y que las actividades del área de Auditoría Interna se realicen con efectividad.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Vigilar la independencia del área de Auditoría Interna respecto de las demás unidades de negocio y administrativas de la Institución. En caso de falta de independencia deberá informarlo al Consejo.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Revisar con apoyo de las auditorías interna y externa la aplicación del Sistema de Control Interno, evaluando su eficiencia y efectividad.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Informar al Consejo, cuando menos una vez al año, sobre la situación que guarda el Sistema de Control Interno de la Institución. El informe deberá contener, como mínimo, lo siguiente:</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Las deficiencias, desviaciones o aspectos del Sistema de Control Interno que, en su caso, requieran una mejoría, tomando en cuenta para tal efecto los informes y dictámenes de los auditores interno y externo respectivamente, así como de los responsables de las funciones de Contraloría Interna.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">La mención y seguimiento de la implementación de las medidas preventivas y correctivas derivadas de las observaciones de la Comisión y los resultados de las auditorías interna y externa, así como de la evaluación del Sistema de Control Interno realizada por el propio Comité de Auditoría.</span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">La valoración del desempeño de las funciones de Contraloría Interna y del área de Auditoría Interna.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Los aspectos significativos del Sistema de Control Interno que pudieran afectar el desempeño de las actividades de la Institución</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Una evaluación del alcance y efectividad del Plan de Continuidad de Negocio, su divulgación entre las áreas pertinentes y la identificación, en su caso, de los ajustes necesarios para su actualización y fortalecimiento.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 72pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">El cumplimiento de los criterios, medidas y procedimientos internos para la verificación y actualización de los datos de identificación proporcionados por los clientes, así como de la eficacia de los mecanismos de verificación de dichos datos, conforme a lo previsto en los Artículos 51 Bis a 51 Bis 6, 51 Bis 8 y 51 Bis 10 de estas disposiciones, para lo cual deberá considerarse y reportarse los resultados que se obtengan del registro a que se refiere el Artículo 51 Bis 12 de las presentes disposiciones, entre otros aspectos.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Revisar en coordinación con la Dirección General al menos una vez al año o cuando existan cambios significativos en la operación de la Institución, los manuales a que se refiere la fracción II del presente artículo, así como el código de conducta a que hace referencia la fracción III del Artículo 155 de las presentes disposiciones.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Aprobar, previa opinión del director general, el programa anual de trabajo del área de Auditoría Interna.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Informar al Consejo de las irregularidades importantes detectadas con motivo del ejercicio de sus funciones y, en su caso, de las acciones correctivas adoptadas o proponer las que deban aplicarse.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
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<span style="font-family:Arial; font-size:11pt">En el caso de las instituciones de banca de desarrollo, informar por escrito al titular del Órgano Interno de Control de las irregularidades detectadas con motivo del ejercicio de sus funciones, cuando considere que se trata de los temas de su competencia según lo previsto por la Ley.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Recibir y conocer las irregularidades detectadas, procedimientos iniciados, y demás actividades que realice el titular del Órgano Interno de Control de las instituciones de banca de desarrollo, acerca de las materias objeto de su competencia de conformidad con lo previsto por la Ley, y que hayan presentado por escrito ante el Comité.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
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<span style="font-family:Arial; font-size:11pt">Las demás que sean necesarias para el desempeño de sus funciones.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Comité de Auditoría en el desarrollo de las actividades antes mencionadas, establecerá los procedimientos necesarios para el desempeño en general de sus funciones. En todo caso, los miembros del comité tomarán como base para la realización de sus actividades, la información que elaboren los auditores interno y externo, así como la Dirección General de la Institución.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Sin perjuicio de lo anterior, el funcionamiento, facultades y deberes del Comité de Auditoría se ajustarán en todo momento a las disposiciones aplicables de la Ley de Instituciones de Crédito.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Reuniones: El Comité de Auditoría debe sesionar al menos 4 veces al año.</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">(</span><span style="font-family:Arial; font-size:11pt">iv</span><span style="font-family:Arial; font-size:11pt">) Comité de Remuneración (REMCO) </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Objetivos del comité: El Comité de Remuneración es el órgano capaz de emitir un juicio independiente y tomar decisiones que se fundamenten en la evaluación de los riesgos, con respecto a las remuneraciones del instituto financiero de banca múltiple. Adicionalmente, es responsable de revisar si la Política de Remuneración de HSBC Holdings, aprobada por El Comité de Remuneración del HSBC Holdings y accionistas, cumple con las regulaciones locales y es capaz de atraer, retener y motivar al equipo directivo responsable de dirigir la compañía exitosamente.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Comité de Remuneración, para el desarrollo de su objeto, desempeñará las funciones siguientes:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">Proponer para aprobación del consejo de administración:</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 42.55pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 53.45pt; text-indent:-18pt; text-align:justify; line-height:115%; font-size:11pt">
<span style="font-family:'Courier New'; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Las políticas y procedimientos de remuneración, así como las eventuales modificaciones que se realicen a los mismos;</span>
</p>
<p style="margin:0pt 0pt 0pt 53.45pt; text-indent:-18pt; text-align:justify; line-height:115%; font-size:11pt">
<span style="font-family:'Courier New'; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">        </span><span style="font-family:Arial; font-size:11pt">Los casos o circunstancias especiales en los cuales se podría exceptuar a alguna persona de la aplicación de las políticas de remuneración autorizadas.</span>
</p>
<p style="margin:0pt 0pt 0pt 42.55pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
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<span style="font-family:Arial; font-size:11pt">Implementar y mantener el Sistema de Remuneración en la institución de banca múltiple, el cual deberá considerar las diferencias entre las distintas unidades administrativas, de control y de negocios y los riesgos inherentes a las actividades desempeñadas por las personas sujetas al Sistema de Remuneración. Para efectos de lo dispuesto en la presente fracción, el Comité de Remuneración deberá recibir y considerar los reportes de la unidad para la Administración Integral de Riesgos sobre las implicaciones de riesgos de las políticas y procedimientos de remuneración.</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Informar a todo el personal pertinente, las políticas y procedimientos de remuneración, asegurando en todo momento el entendimiento por parte de los interesados de los métodos para la determinación, integración y entrega de sus remuneraciones, los ajustes por riesgos que les sean aplicables, el diferimiento de sus Remuneraciones Extraordinarias y cualquier otro mecanismo aplicable a sus remuneraciones.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
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<span style="font-family:Arial; font-size:11pt">Contratar, cuando lo considere necesario, consultores externos en esquemas de remuneración y administración de riesgos, que coadyuven al diseño del esquema de remuneración, evitando al efecto cualquier conflicto de interés.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
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<span style="font-family:Arial; font-size:11pt">Informar al consejo de administración, cuando menos semestralmente, sobre el funcionamiento del Sistema de Remuneración, y en cualquier momento cuando la exposición al riesgo asumida por la institución de banca múltiple, las unidades administrativas, de control y de negocios o las personas sujetas al Sistema de Remuneración, pudieran derivar en un ajuste a dicho Sistema de Remuneración de la institución de banca múltiple. Así como evaluar si es apropiado escalar algún tema relevante al Comité de Remuneración del Grupo.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Revisar cualquier aspecto de remuneración de la compañía considerando la Política de Remuneración del Grupo para informar al Consejo de Administración o al Comité de Remuneración del Grupo si la estructura y contenido son adecuados al mercado y contexto regulatorio.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Comité de Remuneración deberá integrarse de conformidad con lo siguiente:</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
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<span style="font-family:Arial; font-size:11pt">Cuando menos dos miembros propietarios del consejo de administración, de los cuales cuando menos uno deberá ser independiente, quien lo presidirá. Asimismo, al menos uno de los consejeros deberá ser una persona que por sus conocimientos y desarrollo, tenga amplia experiencia en administración de riesgos o control interno.</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">El responsable de la unidad para la Administración Integral de Riesgos.</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Un representante del área de recursos humanos.</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Un representante del área encargada de la planeación financiera o la elaboración del presupuesto.</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">El auditor interno de la institución de banca múltiple, quien podrá participar con voz, pero sin voto.</span>
</li>
</ul>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El Comité de Remuneración deberá reunirse cuando menos trimestralmente, debiendo estar presentes por lo menos la mayoría de sus integrantes, pero, en cualquier caso, deberá acudir el presidente del comité con carácter de independiente Las sesiones y acuerdos se harán constar en actas debidamente circunstanciadas y suscritas por todos los asistentes.</span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<div style="text-align:center">
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; margin:0 auto; width:434.4pt">
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<td style="background-color:#ff0000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:210.2pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt">Durante 2025 El Comité de Remuneraciones se integró de la siguiente manera:</span><span style="font-family:Arial; font-size:11pt; font-weight:bold">Rol</span>
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<td style="background-color:#ff0000; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:201.85pt">
<p style="margin:0pt; text-align:center">
<span style="font-family:Arial; font-size:11pt; font-weight:bold">Nombre</span>
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<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:210.2pt">
<p style="margin:0pt 0pt 0pt 8.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Miembro Consejo Externo Independiente</span>
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<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:201.85pt">
<p style="margin:0pt 0pt 0pt 6.65pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">José María Zas</span>
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<p style="margin:0pt 0pt 0pt 8.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Miembro Consejo Externo Independiente</span>
</p>
</td>
<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:201.85pt">
<p style="margin:0pt 0pt 0pt 6.65pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Andrés Sucre</span>
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<p style="margin:0pt 0pt 0pt 8.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">CEO</span>
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<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:201.85pt">
<p style="margin:0pt 0pt 0pt 6.65pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Jorge Arce</span>
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<p style="margin:0pt 0pt 0pt 8.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Director de Riesgos</span>
</p>
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<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:201.85pt">
<p style="margin:0pt 0pt 0pt 6.65pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Guillermo R </span><span style="font-family:Arial; font-size:11pt">Colquhoun</span>
</p>
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<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:210.2pt">
<p style="margin:0pt 0pt 0pt 8.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Directora de Auditoria (interina)</span>
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<p style="margin:0pt 0pt 0pt 6.65pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Flor Campa</span>
</p>
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<p style="margin:0pt 0pt 0pt 8.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Directora de Finanzas</span>
</p>
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<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:201.85pt">
<p style="margin:0pt 0pt 0pt 6.65pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">María Isabel </span><span style="font-family:Arial; font-size:11pt">Ganduglia</span>
</p>
</td>
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<td style="background-color:#ffffff; border-bottom-color:#000000; border-bottom-style:solid; border-bottom-width:0.75pt; border-left-color:#000000; border-left-style:solid; border-left-width:0.75pt; border-right-color:#000000; border-right-style:solid; border-right-width:0.75pt; border-top-color:#000000; border-top-style:solid; border-top-width:0.75pt; padding-left:5.03pt; padding-right:5.03pt; vertical-align:top; width:210.2pt">
<p style="margin:0pt 0pt 0pt 8.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Directora de RH</span>
</p>
</td>
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<p style="margin:0pt 0pt 0pt 6.65pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Laura Perea</span>
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<p style="margin:0pt 0pt 0pt 8.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Director de Desempeño y Beneficios</span>
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<p style="margin:0pt 0pt 0pt 6.65pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Juan Manuel Arias</span>
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<p style="margin:0pt 0pt 0pt 8.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Responsable de la UAIR</span>
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<p style="margin:0pt 0pt 0pt 6.65pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Eric Riquelme</span>
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<span style="font-family:Arial; font-size:11pt">Secretario</span>
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<p style="margin:0pt 0pt 0pt 6.65pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Jesus Alonso</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt">(v) Comité de Comunicación y Control </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">El </span><a name="_Hlk227329102" href="#" ><span style="font-family:Arial; font-size:11pt">Comité de Comunicación y Control (CCC</span></a><span style="font-family:Arial; font-size:11pt">) de HSBC México, S.A. Institución de Banca Múltiple, Grupo Financiero HSBC (HBMI) es el órgano supremo para conocer y </span><span style="font-family:Arial; font-size:11pt">tratar temas relacionados con PLD y Financiamiento al Terrorismo (FT).</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Lo anterior, en cumplimiento con lo referido en las Disposiciones de Carácter General a que se refiere el artículo 115 de la Ley de Instituciones de Crédito publicadas en el Diario Oficial de la Federación (DOF) y las mejores prácticas y normas del Grupo Financiero HSBC.</span><span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt; background-color:#ffffff">El CCC es la máxima autoridad en temas de AML, sin embargo, hay temas que se derivan de este que son presentados en el Comité de Riesgos (HBMX RMM), Comité de Auditoría y Riesgos (HBMX ARC) y Consejo de Administración (HBMX </span><span style="font-family:Arial; font-size:11pt; background-color:#ffffff">BoD</span><span style="font-family:Arial; font-size:11pt; background-color:#ffffff">).</span><span style="font-family:Arial; font-size:11pt; background-color:#ffffff"> </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">De acuerdo con la Disposición 43ª del Capítulo VIII (Estructuras Internas), las funciones y obligaciones del Comité incluyen:</span><span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Someter a la aprobación del Comité de Auditoría de HBMI el Manual de Cumplimiento, así como cualquier modificación al mismo.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Presentar al Consejo de Administración de HBMI los resultados de la implementación de la metodología elaborada e implementada para llevar a cabo la evaluación de Riesgos a la que hace referencia el Capítulo II Bis de las Disposiciones (Enfoque Basado en Riesgo).</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Fungir como instancia competente para conocer los resultados obtenidos por el área de auditoría interna de HBMI o, en su caso, por el auditor externo independiente a que se refiere la 60ª. de las Disposiciones, respecto de la valoración de la eficacia de las políticas, criterios, medidas y procedimientos contenidos en el Manual de Cumplimiento, a efecto de adoptar las acciones necesarias tendientes a corregir fallas, deficiencias u omisiones.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Conocer de aquellos clientes que por sus características sean clasificados con un grado de riesgo alto, de acuerdo con los informes que al efecto le presente el Oficial de Cumplimiento y, en su caso, formulen las recomendaciones que estimen procedentes.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Establecer y difundir los criterios para la clasificación de los clientes, en función de su grado de riesgo, de conformidad con lo señalado en la 25ª Bis de las Disposiciones.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Asegurarse de que los sistemas automatizados a que se refieren las Disposiciones contengan las listas a las que se refieren la fracción X de la disposición 38ª</span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">1</span><span style="font-family:Arial; font-size:11pt">; la lista de Personas Políticamente Expuestas que conforme a la 68ª de las Disposiciones HBMI debe elaborar, y la Lista de Personas Bloqueadas.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Dictaminar las Operaciones que deban ser reportadas a la Secretaría de Hacienda y Crédito Público (SHCP), por conducto de la Comisión Nacional Bancaria y de Valores (CNBV), como Operaciones Inusuales u Operaciones Internas Preocupantes, en los términos establecidos en las Disposiciones.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Aprobar los programas de capacitación para el personal de HBMI, en materia de prevención detección y reporte de actos, omisiones u Operaciones que pudiesen actualizar los supuestos previstos en los artículos 139 </span><span style="font-family:Arial; font-size:11pt">Quáter</span><span style="font-family:Arial; font-size:11pt"> o 400 Bis del Código Penal Federal.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Informar al área competente de HBMI (Recursos Humanos/Relaciones laborales) respecto de conductas realizadas por los directivos, funcionarios, empleados o apoderados de la misma, que provoquen que ésta incurra en infracción a lo previsto en las Disposiciones, o en los casos en que dichos directivos, funcionarios, empleados o apoderados contravengan lo previsto en el Manual de PLD, con objeto de que se impongan las medidas disciplinarias correspondientes</span><span style="font-family:Arial; font-size:7.33pt; vertical-align:super">2</span><span style="font-family:Arial; font-size:11pt">.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Resolver los demás asuntos que se sometan a su consideración, relacionados con la aplicación de las Disposiciones.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Asegurarse de que la Entidad, para el cumplimiento de las Disposiciones, cuente con las estructuras internas a que se refiere el capítulo VIII (Estructuras Internas) en cuanto a organización, número de personas, recursos materiales y tecnológicos de acuerdo con los resultados de la implementación de la metodología de evaluación de riesgos.</span><span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Asegurarse de que la clave para acceder al sistema electrónico de la Comisión Nacional Bancaria y de Valores sea solicitada y se mantenga actualizada a nombre del Oficial de Cumplimiento u Oficial de Cumplimiento Interino, según corresponda.</span><span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">De acuerdo con la Disposición 44ª, cada Entidad determinará la forma en la que operará su Comité, el cual, estará integrado con al menos 3 miembros que, en todo caso, deberán ocupar la titularidad de las áreas que al efecto designe el consejo de administración o directivo de dicha Entidad, según corresponda y, en cualquier caso, deberán participar miembros de ese Consejo, el director general, empleados o funcionarios que ocupen cargos dentro de las tres jerarquías inmediatas inferiores a la del director general de la Entidad de que se trate.</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span><span style="font-family:Arial; font-size:11pt">Con base en lo anterior, las áreas que integran la membresía del CCC son las siguientes:</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
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<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Delitos Financieros (FC)</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Gobernanza Centralizada de Riesgos y Cumplimiento</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">(</span><span style="font-family:Arial; font-size:11pt">RnC</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Centralised</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt">Governance</span><span style="font-family:Arial; font-size:11pt">)</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Dirección General (CEO)</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
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<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Riesgos y Cumplimiento (CRCO)</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Prevención de Lavado de Dinero (AML)</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Banca Internacional Patrimonial y Premier (IWPB)</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
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<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Banca Corporativa (</span><span style="font-family:Arial; font-size:11pt">Banking</span><span style="font-family:Arial; font-size:11pt">)</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
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<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Mercados Globales</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
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<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Fiduciario</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
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<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Jurídico</span><span style="font-family:Arial; font-size:11pt"> </span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Delitos Financieros Banca Internacional Patrimonial y Premier (FC IWPB) </span>
</p>
<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Symbol; font-size:11pt"></span><span style="font:7.0pt 'Times New Roman'">       </span><span style="font-family:Arial; font-size:11pt">Delitos Financieros Banca Corporativa e Institucional y Funciones (FC CIB y </span><span style="font-family:Arial; font-size:11pt">Functions</span><span style="font-family:Arial; font-size:11pt">)</span><span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
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<span style="font-family:Arial; font-size:11pt; font-style:italic"> </span>
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<p style="margin:0pt">
<span style="font-family:Arial; font-size:11pt; font-style:italic">Nota: El auditor interno o la persona designada no formará parte del Comité, sin perjuicio de lo cual deberá participar en las sesiones de dicho Comité con voz, pero sin voto.</span>
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<span style="font-family:Arial; font-size:11pt">Estatutos sociales y otros convenios </span>
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<span style="font-family:Arial; font-size:11pt">Los miembros del Consejo de Administración tienen derechos y obligaciones los cuales se establecen en varios artículos de los estatutos sociales de HSBC México.</span>
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<span style="font-family:Arial; font-size:11pt">Además del Consejo de Administración, la dirección y administración del Banco se confían a un Presidente Ejecutivo y a un Director General. El primeramente mencionado es el funcionario de mayor jerarquía del Banco y reporta a la Asamblea General de Accionistas y/o al Consejo de Administración, mientras que al Director General corresponde la dirección y operación del Banco. </span>
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<span style="font-family:Arial; font-size:11pt">Al 31 de diciembre de 2024, fue celebrada una Asamblea General Extraordinaria de Accionistas celebrada el 29 de noviembre de 2024, en la cual se formalizó la reforma a los estatutos sociales, para ajustarlos a la reforma efectuada a su vez en </span><span style="font-family:Arial; font-size:11pt">a</span><span style="font-family:Arial; font-size:11pt"> Ley General de Sociedades Mercantiles, la cual tiene como finalidad la de permitir que las sociedades mercantiles utilicen herramientas tecnológicas para llevar a cabo sus actividades de manera más eficiente, esto es, incorporar para la celebración de las Asambleas de Accionistas y sesiones del Consejo de Administración el uso de medios telemáticos (entendiéndose estos como medios electrónicos o medios ópticos). Esta reforma de estatutos fue autorizada por la Comisión Nacional Bancaria y de Valores mediante oficio número 312-1/42893/2024.</span>
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<span style="font-family:Arial; font-size:11pt">Asimismo, por lo que corresponde a los años 2025 y 2023 no hubo celebración de asambleas que impactaran los estatutos sociales.</span>
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<span style="font-family:Arial; font-size:11pt">Se definió contar con un código de conducta en todo el Grupo HSBC; la transición de documentos locales a un Código de conducta global simplifica nuestro enfoque para establecer estándares de conducta para nuestra gente y facilita la certificación centralizada para garantizar que los colegas entiendan nuestras expectativas de comportamiento más importantes.</span>
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<span style="font-family:Arial; font-size:11pt">Este enfoque generará confianza en los reguladores y nuestros auditores respecto al enfoque del banco para establecer estándares en torno a la conducta personal como sólido, claro y simple en todo el Grupo HSBC. </span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Contenido del Código de conducta Global</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt 0pt 0pt 18pt; text-indent:-18pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">1.0</span><span style="font:7.0pt 'Times New Roman'">  </span><span style="font-family:Arial; font-size:11pt">Introducción de nuestro CEO</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">1.1 ¿Por qué tenemos un código de conducta global?</span>
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<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">1.2 Las responsabilidades de todos</span>
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<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">1.3 Nuestros valores</span>
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<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">1.4 Nuestro enfoque de conducta basado en el propósito</span>
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<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">1.5 Nuestro enfoque de administración de riesgos</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">2.0 Nuestras obligaciones legales y regulatorias</span>
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<p style="margin:0pt 0pt 0pt 14.2pt; text-indent:7.1pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2.1 Prevención de lavado de dinero</span>
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<p style="margin:0pt 0pt 0pt 14.2pt; text-indent:7.1pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2.2 Sanciones</span>
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<p style="margin:0pt 0pt 0pt 14.2pt; text-indent:7.1pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2.3 Prevención de sobornos y corrupción</span>
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<p style="margin:0pt 0pt 0pt 14.2pt; text-indent:7.1pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2.4 Facilitación para la prevención de evasión de impuestos</span>
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<p style="margin:0pt 0pt 0pt 14.2pt; text-indent:7.1pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2.5 Permisos individuales y aprobación regulatoria</span>
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<p style="margin:0pt 0pt 0pt 14.2pt; text-indent:7.1pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2.6 Fraude</span>
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<p style="margin:0pt 0pt 0pt 14.2pt; text-indent:7.1pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2.7 Conflictos de intereses</span>
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<p style="margin:0pt 0pt 0pt 14.2pt; text-indent:7.1pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2.8 Regalos y entretenimiento</span>
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<p style="margin:0pt 0pt 0pt 14.2pt; text-indent:7.1pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2.9 Préstamos y endeudamientos</span>
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<p style="margin:0pt 0pt 0pt 14.2pt; text-indent:7.1pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">2.10 Cooperación en las investigaciones</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">3. Nuestros colegas</span>
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<span style="font-family:Arial; font-size:11pt">3.1 Diversidad e inclusión</span>
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<span style="font-family:Arial; font-size:11pt">3.2 Prevención de hostigamiento y acoso</span>
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<span style="font-family:Arial; font-size:11pt">3.3 Derechos Humanos y esclavitud moderna</span>
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<p style="margin:0pt; text-indent:21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">3.4 Viajes y gastos</span>
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<p style="margin:0pt; text-indent:21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">3.5 Salud y seguridad</span>
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<p style="margin:0pt; text-indent:21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">3.6 Consumo de Alcohol o drogas</span>
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<p style="margin:0pt; text-indent:21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">3.7 Colegas con dificultades financieras significativas</span>
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<p style="margin:0pt; text-indent:21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">3.8 Redes sociales</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">4.0 Nuestros clientes y mercados financieros</span>
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<span style="font-family:Arial; font-size:11pt">4.1 Trato justo para los clientes</span>
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<p style="margin:0pt; text-indent:21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">4.2 Abuso del mercado</span>
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<p style="margin:0pt; text-indent:21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">4.3 Legislación en materia de competencia económica</span>
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<p style="margin:0pt; text-indent:21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">4.4 Privacidad de datos</span>
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<p style="margin:0pt; text-indent:21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">4.5 Seguridad y privacidad de los datos de clientes y colegas</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<span style="font-family:Arial; font-size:11pt">5.0 Nuestro negocio</span>
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<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">5.1 Información de HSBC</span>
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<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">5.2 Uso de sistemas</span>
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<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">5.3 Registros de HSBC</span>
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<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">5.4 Protección y uso apropiado de los activos de la empresa</span>
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<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">5.5 Transparencia de condenas penales o investigaciones</span>
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<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">5.6 Beneficio personal</span>
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<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">5.7 Seguridad de protección</span>
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<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">5.8 Hablar en nombre de HSBC</span>
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<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">5.9 Compromiso político</span>
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<p style="margin:0pt 0pt 0pt 21.3pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">6.0 Alzar la voz</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">7.0 Resumen</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Estos son algunos de los puntos clave:</span>
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<span style="font-family:Arial; font-size:11pt"> </span>
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<ul type="disc" style="margin:0pt; padding-left:0pt">
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">El Código de Conducta sustenta nuestro propósito, nuestros principios y nuestros valores: allí se describen formas clave en las que asumimos la responsabilidad de administrar los riesgos que pueden afectar a nuestros clientes, colegas y negocios en los mercados y las comunidades en las que operamos.</span>
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<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Es por eso que todos los colegas deben cumplir con sus requisitos en todo momento.</span>
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<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Alzar la voz es una de las formas en que podemos identificar problemas y resolverlos. Hay varias maneras en que podemos hacer esto cuando notamos algo que nos preocupa.</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Cuando no estamos seguros, debemos hacer preguntas o leer las políticas o los procedimientos, etc. antes de tomar medidas. Contamos con muchos expertos en la materia dentro de nuestro negocio para ayudar a tomar las decisiones correctas.</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Los líderes de HSBC desempeñan un rol fundamental en la incorporación de una cultura de administración y control de riesgos y en la adopción de las medidas adecuadas cuando no se cumplen los requisitos del Código de Conducta.</span>
</li>
<li style="margin:0pt 0pt 0pt 28.06pt; text-indent:0pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Si tienes alguna pregunta sobre el contenido del Código de Conducta, consulta la política o el procedimiento específicos a los que se hace referencia o habla con tu líder directo.</span>
</li>
</ul>
<p style="margin:0pt 0pt 0pt 36pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt">Hay 3 puntos adicionales en la versión del Código de Conducta Global exclusivos para México:</span>
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<p style="margin:0pt; text-align:justify">
<span style="font-family:Arial; font-size:11pt"> </span>
</p>
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<li style="margin:0pt 0pt 0pt 32.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Declaración recomendada por Legal como Especialista para facilitar los procesos legales: “Prohibición de conductas ilícitas: HSBC es una empresa comprometida con el respeto absoluto a la ley y por lo tanto expresa y categóricamente prohíbe la comisión de cualquier delito”.</span>
</li>
<li style="margin:0pt 0pt 0pt 32.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">De acuerdo con la regulación local, el proceso de “</span><span style="font-family:Arial; font-size:11pt">Speak</span><span style="font-family:Arial; font-size:11pt"> Up” dentro de Operadora de Fondos debe contemplar la participación del Contralor Normativo.</span>
</li>
<li style="margin:0pt 0pt 0pt 32.17pt; text-indent:0pt; text-align:justify; padding-left:3.83pt; font-family:Arial; font-size:11pt">
<span style="font-family:Arial; font-size:11pt">Finanzas Saludables (incluyendo el reporte de ingresos adicionales a la nómina).</span>
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