Final Resolution of the Performance Evaluation of Multiple Banking Institutions 2025

Mexico City, July 29, 2026
Communication No. 15
Final Resolution of the Performance Evaluation of Multiple Banking Institutions 2025

• In accordance with the results of the Performance Evaluation of Multiple Banking Institutions (EDB) for the 2025 fiscal year, carried out by the Ministry of Finance and Public Credit (SHCP), 46 of the 49 evaluated multiple banking institutions obtained a satisfactory rating, in accordance with the methodology provided for in the Credit Institutions Law and the Guidelines for the Performance Evaluation of Multiple Banking Institutions.
  Based on Article 280 of the Credit Institutions Law (LIC), as well as on the Fifth and Twenty-Second provisions of the Guidelines for the Performance Evaluation of Multiple Banking Institutions, the SHCP presents the Final Resolution corresponding to the 2025 fiscal year. The Performance Evaluation of Multiple Banking Institutions aims to assess the contribution of these institutions to the support and promotion of the development of the country's productive forces and to the growth of the national economy, in adherence to sound banking practices and usages. In terms of the Credit Institutions Law, this evaluation does not aim to assess the financial condition, liquidity, or solvency of the participating institutions; therefore, its results must be interpreted exclusively within the scope of the elements that make up the evaluation methodology. The evaluation is carried out annually and aims to measure and rate the performance of each multiple banking institution based on the Bank Evaluation Index and the Strategic Questionnaire, instruments that make up the methodology provided for in the Credit Institutions Law and in the Guidelines issued for such effect. In accordance with Article 110 Bis 11 of the Law, both instruments are notified to the institutions during the month of October of the year being evaluated. Multiple banking institutions that have at least one year of operation at the close of the corresponding fiscal year are subject to evaluation.

Likewise, multiple banking institutions with less than five years of operation at the close of the evaluated year are subject to an evaluation for exclusively indicative purposes and for monitoring their performance, operation, and implemented good practices. Consequently, such institutions are not subject to the measures provided for in Article 53, second paragraph, and Article 281, second and third paragraphs, of the Credit Institutions Law. The EDB seeks to foster savings in all sectors and regions of the country, as well as to promote its adequate channeling towards a broader regional coverage that contributes to the decentralization of the banking system. To this end, the evaluation methodology considers, among others, the following aspects:

• Intermediation related to credit activity and the collection of resources.
• The products, services, and infrastructure through which institutions carry out their banking operations.
• The quality of services provided by the institutions.
• Performance in investment activities and in the management of foreign exchange.
• Practices implemented in the area of sustainable finance and gender equality.

MULTIPLE BANKING INSTITUTION FINAL RESULT
Banco Actinver, S.A., Multiple Banking Institution, Grupo Financiero Actinver Satisfactory Banca Afirme, S.A., Multiple Banking Institution, Afirme Grupo Financiero Satisfactory with observations Banco Azteca, S.A., Multiple Banking Institution Satisfactory Banco del Bajío, S.A., Multiple Banking Institution Satisfactory Banco Nacional de México, S.A., Member of the Grupo Financiero Banamex Satisfactory BanCoppel, S.A., Multiple Banking Institution Satisfactory Banco Bancrea, S.A., Multiple Banking Institution Unsatisfactory Banco Banfeliz, S.A., Multiple Banking Institution Satisfactory Bank of America México, S.A., Multiple Banking Institution Satisfactory Bank of China México, S.A., Multiple Banking Institution Satisfactory Bankaool, S.A., Multiple Banking Institution Satisfactory Banco Mercantil del Norte, S.A., Multiple Banking Institution, Grupo Financiero Banorte Satisfactory Banco Regional, S.A., Multiple Banking Institution, Banregio Grupo Financiero Satisfactory Bansí, S.A., Multiple Banking Institution Satisfactory Barclays Bank México, S.A., Multiple Banking Institution, Grupo Financiero Barclays México Satisfactory Banco Base, S.A., Multiple Banking Institution, Grupo Financiero Base Satisfactory BBVA México, S.A., Multiple Banking Institution, Grupo Financiero BBVA México Satisfactory Banco de Inversión Afirme, S.A., Multiple Banking Institution, Afirme Grupo Financiero Satisfactory with observations Banco Citi México, S.A., Multiple Banking Institution, Grupo Financiero Citi México Satisfactory Banco Compartamos, S.A., Multiple Banking Institution Satisfactory Consubanco, S.A., Multiple Banking Institution Satisfactory

Banco Covalto, S.A., Multiple Banking Institution Satisfactory Banco Credit Suisse (México), S.A., Multiple Banking Institution, Grupo Financiero Credit Suisse (México) Unsatisfactory Fundación Dondé Banco, S.A., Multiple Banking Institution Satisfactory HSBC México, S.A., Multiple Banking Institution, Grupo Financiero HSBC Satisfactory Industrial and Commercial Bank of China México, S.A., Multiple Banking Institution Satisfactory Banco Inbursa, S.A., Multiple Banking Institution, Grupo Financiero Inbursa Satisfactory Banco Inmobiliario Mexicano, S.A., Multiple Banking Institution Satisfactory Intercam Banco, S.A., Multiple Banking Institution, Intercam Grupo Financiero Satisfactory Banco Invex, S.A., Multiple Banking Institution, Invex Grupo Financiero Satisfactory Banco J.P. Morgan, S.A., Multiple Banking Institution, J.P. Morgan Grupo Financiero Satisfactory Banco KEB Hana México, S.A., Multiple Banking Institution Subsidiary Satisfactory KPTL México Bank, S.A., Multiple Banking Institution, Kapital México Grupo Financiero. Satisfactory Banca Mifel, S.A., Multiple Banking Institution, Grupo Financiero Mifel Satisfactory Mizuho Bank México, S.A., Multiple Banking Institution Satisfactory Banco Monex, S.A., Multiple Banking Institution, Monex Grupo Financiero Satisfactory MUFG Bank México, S.A., Multiple Banking Institution Subsidiary Satisfactory Banco Multiva, S.A., Multiple Banking Institution, Grupo Financiero Multiva Satisfactory Banco PagaTodo, S.A., Multiple Banking Institution Satisfactory Banco S3 Caceis México, S.A., Multiple Banking Institution Satisfactory Banco Sabadell, S.A., Multiple Banking Institution Satisfactory Banco Santander México, S.A., Multiple Banking Institution, Grupo Financiero Santander México Satisfactory Scotiabank Inverlat, S.A., Multiple Banking Institution, Grupo Financiero Scotiabank Inverlat Satisfactory Banco Shinhan de México, S.A., Multiple Banking Institution Unsatisfactory Ualá, S.A., Multiple Banking Institution Satisfactory

Banco Ve por Más, S.A., Multiple Banking Institution, Grupo Financiero Ve por Más Satisfactory Volkswagen Bank, S.A., Multiple Banking Institution Satisfactory Institutions with less than five years of operation during 2025:
MULTIPLE BANKING INSTITUTION FINAL RESULT
BNP Paribas México, S.A., Multiple Banking Institution Satisfactory with observations Banco Bineo, S.A., Multiple Banking Institution Satisfactory with observations