| Schedule of reconciliation of gross between line items in the statement of financial position and categories of financial instruments |
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| | | | Mandatorily | | FVOCI – | | FVOCI – | | | | | Total |
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December 31, 2025 | | | | at | | debt | | equity | | Amortized | | gross carrying |
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Assets (1) | | Note | | FVTPL | | instruments | | instruments | | Cost | | amount |
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Cash and cash equivalents | | 7 | | Ps. | — | | Ps. | — | | Ps. | — | | Ps. | 19,354,710 | | Ps. | 19,354,710 |
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Trading assets | | 8 | | | 29,097,591 | | | — | | | — | | | — | | | 29,097,591 |
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Debt securities | | | | | 17,582,844 | | | — | | | — | | | — | | | 17,582,844 |
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Equity securities | | | | | 9,297,726 | | | — | | | — | | | — | | | 9,297,726 |
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Derivative assets | | | | | 2,217,021 | | | — | | | — | | | — | | | 2,217,021 |
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Investment securities | | 9 | | | — | | | 28,455,957 | | | 1,599,479 | | | 9,205,457 | | | 39,260,893 |
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Measured at fair value | | | | | — | | | 28,455,957 | | | 1,599,479 | | | — | | | 30,055,436 |
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Measured at amortized cost | | | | | — | | | — | | | — | | | 9,205,457 | | | 9,205,457 |
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Loans | | 11 | | | — | | | — | | | — | | | 192,655,943 | | | 192,655,943 |
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Other accounts receivable | | 12 | | | 2,635,437 | | | — | | | — | | | 22,216,161 | | | 24,851,598 |
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Measured at fair value (2) | | | | | 2,635,437 | | | — | | | — | | | — | | | 2,635,437 |
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Measured at amortized cost | | | | | — | | | — | | | — | | | 22,216,161 | | | 22,216,161 |
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Hedging derivative assets | | 10 | | | 236,558 | | | — | | | — | | | — | | | 236,558 |
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Total financial assets | | | | Ps. | 31,969,586 | | Ps. | 28,455,957 | | Ps. | 1,599,479 | | Ps. | 243,432,271 | | Ps. | 305,457,293 |
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| | | | Mandatorily | | FVOCI – | | FVOCI – | | | | | Total |
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| | | | at | | debt | | equity | | Amortized | | gross carrying |
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Liabilities (3) | | Note | | FVTPL | | instruments | | instruments | | Cost | | amount |
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Trading liabilities | | | | | | | | | | | | | | | | | |
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Derivative liabilities | | 8 | | Ps. | 1,951,439 | | Ps. | — | | Ps. | — | | Ps. | — | | Ps. | 1,951,439 |
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Hedging derivative liabilities | | 10 | | | 34,842 | | | — | | | — | | | — | | | 34,842 |
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Customer deposits | | 20 | | | — | | | — | | | — | | | 207,405,238 | | | 207,405,238 |
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Financial obligations | | 21 | | | — | | | — | | | — | | | 68,671,586 | | | 68,671,586 |
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Total financial liabilities | | | | Ps. | 1,986,281 | | Ps. | — | | Ps. | — | | Ps. | 276,076,824 | | Ps. | 278,063,105 |
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(1) As of December 2025, the assets related to Multi Financial Group (MFG) were no longer presented line-by-line on the Consolidated Statements of Financial Position and were instead reported in a single line item within “Non-current assets held for sale”, see note 13.A. (2) See Note 12.1 “Financial assets in concession arrangements”. (3) As of December 2025, the liabilities related to Multi Financial Group (MFG) were no longer presented line-by-line on the Consolidated Statements of Financial Position and were instead reported in a single line item within “Liabilities directly associated with non-current assets held for sale”, see note 13.A. | | | | | | | | | | | | | | | | | |
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| | | | Mandatorily | | FVOCI – | | FVOCI – | | | | | Total |
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December 31, 2024 | | | | at | | debt | | equity | | Amortized | | gross carrying |
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Assets | | Note | | FVTPL | | instruments | | instruments | | Cost | | amount |
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Cash and cash equivalents | | 7 | | Ps. | — | | Ps. | — | | Ps. | — | | Ps. | 16,998,859 | | Ps. | 16,998,859 |
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| | | | Mandatorily | | FVOCI – | | FVOCI – | | | | | Total |
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December 31, 2024 | | | | at | | debt | | equity | | Amortized | | gross carrying |
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Assets | | Note | | FVTPL | | instruments | | instruments | | Cost | | amount |
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Trading assets | | 8 | | | 20,163,214 | | | — | | | — | | | — | | | 20,163,214 | Debt securities | | | | | 11,937,414 | | | — | | | — | | | — | | | 11,937,414 | Equity securities | | | | | 7,256,506 | | | — | | | — | | | — | | | 7,256,506 | Derivative assets | | | | | 969,294 | | | — | | | — | | | — | | | 969,294 | Investment securities | | 9 | | | 1,425 | | | 27,050,198 | | | 1,421,303 | | | 10,708,367 | | | 39,181,293 | Measured at fair value | | | | | 1,425 | | | 27,050,198 | | | 1,421,303 | | | — | | | 28,472,926 | Measured at amortized cost | | | | | — | | | — | | | — | | | 10,708,367 | | | 10,708,367 | Loans | | 11 | | | — | | | — | | | — | | | 200,136,125 | | | 200,136,125 | Other accounts receivable | | 12 | | | 4,181,835 | | | — | | | — | | | 24,138,538 | | | 28,320,373 | Measured at fair value | | | | | 4,181,835 | | | — | | | — | | | — | | | 4,181,835 | Measured at amortized cost | | | | | — | | | — | | | — | | | 24,138,538 | | | 24,138,538 | Hedging derivative assets | | 10 | | | 54,019 | | | — | | | — | | | — | | | 54,019 | Total financial assets | | | | Ps. | 24,400,493 | | Ps. | 27,050,198 | | Ps. | 1,421,303 | | Ps. | 251,981,889 | | Ps. | 304,853,883 | | | | | | | | | | | | | | | | | | | | | | | Mandatorily | | FVOCI – | | FVOCI – | | | | | Total | | | | | at | | debt | | equity | | Amortized | | gross carrying | Liabilities | | Note | | FVTPL | | instruments | | instruments | | Cost | | amount | Trading liabilities | | | | | | | | | | | | | | | | | | Derivative liabilities | | 8 | | Ps. | 1,011,934 | | Ps. | — | | Ps. | — | | Ps. | — | | Ps. | 1,011,934 | Hedging derivative liabilities | | 10 | | | 21,658 | | | — | | | — | | | — | | | 21,658 | Customer deposits | | 20 | | | — | | | — | | | — | | | 200,872,177 | | | 200,872,177 | Financial obligations | | 21 | | | — | | | — | | | — | | | 72,823,775 | | | 72,823,775 | Total financial liabilities | | | | Ps. | 1,033,592 | | Ps. | — | | Ps. | — | | Ps. | 273,695,952 | | Ps. | 274,729,544 |
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| Schedule of interest income |
| | | | | | | | | | | | For the years ended | | | 2025 | | 2024 (1) | | 2023 (1) | Loan Portfolio | | | | | | | | | | Commercial | | Ps. | 11,525,606 | | Ps. | 12,975,916 | | Ps. | 13,849,612 | Consumer | | | 8,756,681 | | | 8,805,226 | | | 8,899,807 | Mortgage | | | 2,095,287 | | | 1,751,721 | | | 1,476,903 | Microcredit | | | 244 | | | 48,710 | | | 71,352 | Interbank and overnight funds | | | 85,577 | | | 158,813 | | | 129,720 | Total interest income of loan portfolio | | Ps. | 22,463,395 | | Ps. | 23,740,386 | | Ps. | 24,427,394 | Cash and cash equivalents | | | 351,742 | | | 406,380 | | | 748,431 | Other accounts receivable | | | 154,223 | | | 220,447 | | | 177,652 | Total interest income cash and cash equivalents and other accounts receivable | | Ps. | 505,965 | | Ps. | 626,827 | | Ps. | 926,083 | Investments in debt securities | | | 2,949,838 | | | 2,604,689 | | | 2,298,222 | Total interest income | | Ps. | 25,919,198 | | Ps. | 26,971,902 | | Ps. | 27,651,699 |
(1) The information was modified based on MFG's discontinued operation; see note 13.B.
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| Schedule of interest expenses |
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| | For the years ended |
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| | 2025 | | 2024 (1) | | 2023 (1) |
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Interest expense | | | | | | | Deposits | | | | | | | Checking accounts | Ps. | (226,810) | Ps. | (245,215) | Ps. | (236,918) | Savings accounts | | (4,493,611) | | (5,396,372) | | (5,928,961) | Interest of the derivative designated as the hedging instrument in savings accounts (2) | | (5,707) | | — | | — | Time deposits | | (8,357,587) | | (8,921,856) | | (9,482,449) | Interest of the derivative designated as the hedging instrument in time deposits (2) | | (5,839) | | (49,794) | | (63,333) | Total Deposits | Ps. | (13,089,554) | Ps. | (14,613,237) | Ps. | (15,711,661) | | | | | | | | Financial obligations | | | | | | | Interbank borrowings and overnight funds | Ps. | (1,598,036) | Ps. | (1,649,638) | Ps. | (1,842,126) | Interest of the derivative designated as the hedging instrument in interbank borrowings and overnight funds (2) | | 805 | | — | | — | Borrowings from banks and similar | | (1,216,271) | | (1,373,146) | | (1,357,299) | Leases contracts | | (240,218) | | (241,343) | | (204,730) | Bonds issued | | (1,542,457) | | (1,676,593) | | (2,049,348) | Borrowing from development entities | | (362,136) | | (490,534) | | (591,285) | Total Financial obligations | Ps. | (4,958,313) | Ps. | (5,431,254) | Ps. | (6,044,788) | | | | | | | | Total interest expense | Ps. | (18,047,867) | Ps. | (20,044,491) | Ps. | (21,756,449) |
(1) The information was modified based on MFG's discontinued operation; see note 13.B. (2) Corresponds to the coverage of interest expense for savings accounts, time deposits and interbank borrowings and overnight funds. See note 10.4 Impact on Interest Income and Expense Line Item from interest rate hedging.
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