Gentera (GENTERA) investor relations material

Executive summary

• Achieved record growth in clients, loan portfolio, and net income for 2025, serving over 6.5 million clients and reaching a loan portfolio of Ps. 93,599 million, up 13.1% year-over-year.

• Net income for 2025 reached Ps. 8,520 million, a 31.8% increase year-over-year; EPS at Ps. 5.20, up 36.8%.

• Transformation initiatives since 2019 accelerated net income CAGR to 17.1% through 2025.

• Strategic pillars include expanding working capital loans, consumer credit, insurance, savings products, and digital capabilities, including AI.

• Board proposes increasing dividend payout policy from 40% to 45% of net income, to be paid in two installments in 2026.

Financial highlights

• Interest income rose 20.3% to Ps. 48.4 billion; net interest income up 22.9% to Ps. 40.5 billion year-over-year.

• Net income reached a record Ps. 8,520 million, up 31.8% from 2024; EPS at Ps. 5.20, 36.8% above prior year.

• Net fees grew 31.5% to Ps. 6.2 billion, mainly from insurance business; insurance premiums up 24.8% to Ps. 9,879 million.

• Operational expenses increased 19.3% to Ps. 23.6 billion, including a Ps. 500 million reserve for tax contingencies.

• NIM improved to 41% (from 39.8%); efficiency ratio improved to 64.9%; coverage ratio at 222%.

Outlook and guidance

• 2026 guidance: loan portfolio and net income growth of 13%-16%; EPS between Ps. 5.88 and Ps. 6.03.

• ROE expected between 24%-25% for 2026 and next three years.

• Operational expenses projected to grow 12%-13% in 2026, with efficiency ratio stable at ~65%.

• Cost of risk expected to remain at 13%, with NPLs around 4%.

• Launch of new loyalty program and increased foundation contribution included in guidance.