| Schedule of income and expenses for commissions and fees |
| | | | | | | | | | | | December 31, | | December 31, | | December 31, | Income from commissions and fees | | 2025 | | 2024 (1) | | 2023 (1) | Banking service fees | | Ps. | 1,733,348 | | Ps. | 1,614,067 | | Ps. | 1,545,111 | Pension and severance fund management | | | 1,282,053 | | | 1,174,608 | | | 978,504 | Credit card fees | | | 935,349 | | | 962,774 | | | 987,129 | Trust activities and portfolio management services | | | 569,710 | | | 495,929 | | | 463,194 | Bonded warehouse services | | | 203,814 | | | 181,804 | | | 188,191 | Office network services | | | 20,228 | | | 16,289 | | | 21,638 | Commissions on transfers, checks and checkbooks | | | 17,652 | | | 20,122 | | | 22,941 | Other commissions | | | 22,071 | | | 12,011 | | | 9,056 | Total income from commissions and fees | | Ps. | 4,784,225 | | Ps. | 4,477,604 | | Ps. | 4,215,764 |
_______________________________________ (1) The information was modified based on MFG's discontinued operation; see note 13.B. | | | | | | | | | | | | December 31, | | December 31, | | December 31, | Expenses from commissions and fees | | 2025 | | 2024 (1) | | 2023 (1) | Banking services | | Ps. | (626,545) | | Ps. | (586,332) | | Ps. | (588,109) | Commissions for sales and services | | | (369,614) | | | (294,145) | | | (250,460) | Fees paid to pension funds sales force | | | (73,338) | | | (66,431) | | | (70,335) | Information processing services of operators | | | (36,028) | | | (33,079) | | | (29,905) | Offices network services | | | (6,108) | | | (9,796) | | | (20,147) | Other | | | (12,547) | | | (11,842) | | | (15,294) | Total expenses from commissions and fees | | Ps. | (1,124,180) | | Ps. | (1,001,625) | | Ps. | (974,250) | Net income from commissions and fees | | Ps. | 3,660,045 | | Ps. | 3,475,979 | | Ps. | 3,241,514 |
________________________________________________ (1) The information was modified based on MFG's discontinued operation; see note 13.B.
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| Schedule of incomes and cost for goods and services |
| | | | | | | | | | | | December 31, | | December 31, | | December 31, | Income from sales of goods and services | | 2025 | | 2024 | | 2023 | Energy and gas | | Ps. | 6,842,019 | | Ps. | 6,908,922 | | Ps. | 6,158,616 | Infrastructure | | | 2,251,323 | | | 2,950,048 | | | 3,954,197 | Hotels | | | 732,535 | | | 631,218 | | | 598,895 | Agribusiness | | | 302,811 | | | 309,868 | | | 296,804 | Other services | | | 268,106 | | | 248,544 | | | 215,044 | Total income from sales of goods and services (*) | | Ps. | 10,396,794 | | Ps. | 11,048,600 | | Ps. | 11,223,556 |
(*) See note 31.6, to see income by country. | | | | | | | | | |
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| | December 31, | | December 31, | | December 31, |
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Costs and expenses of sales goods and services | | 2025 | | 2024 | | 2023 |
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Cost of sales from companies from non-financial sector | | Ps. | (5,867,868) | | Ps. | (6,204,773) | | Ps. | (5,799,721) |
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General and administrative expenses | | | (913,614) | | | (940,823) | | | (989,313) |
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Personnel expenses | | | (763,423) | | | (698,859) | | | (607,894) |
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Amortization of intangible assets | | | (443,827) | | | (432,600) | | | (353,305) |
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Depreciation of tangible assets | | | (104,209) | | | (87,647) | | | (90,344) |
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Allowance for impairment of loans and receivables | | | (56,497) | | | (71,157) | | | (51,035) |
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Commissions and fees expenses | | | (54,023) | | | (49,826) | | | (39,466) |
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Depreciation of right of use assets | | | (47,263) | | | (41,732) | | | (37,031) |
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Donations expenses | | | (37,328) | | | (21,034) | | | (19,858) |
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Employee bonuses | | | (17,123) | | | (15,134) | | | (14,376) |
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Labor severances | | | (3,899) | | | (7,660) | | | (3,254) |
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Total costs and expenses of sales goods and services | | Ps. | (8,309,074) | | Ps. | (8,571,245) | | Ps. | (8,005,597) |
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Gross profit from sales of goods and services | | Ps. | 2,087,720 | | Ps. | 2,477,355 | | Ps. | 3,217,959 |
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