Resolution modifying the General Provisions applicable to credit institutions

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DOF: 19/10/2022

RESOLUTION modifying the General Provisions applicable to credit institutions

A seal with the National Coat of Arms is placed at the margin, which reads: United Mexican States.- TREASURY.- Ministry of

Treasury and Public Credit.- National Banking and Securities Commission.

The National Banking and Securities Commission, with the prior agreement of its Board of Directors and based on

the provisions of articles 50 and 98 Bis of the Credit Institutions Law, as well as 4, fractions

XXXVI and XXXVIII and 16, fractions I and VI of the National Banking and Securities Commission Law, having

the prior opinion of the Bank of Mexico, and

CONSIDERING

That it is necessary to include the rating scale of the securities rating agency Moody's Local MX, S.A.

de C.V., Securities Rating Institution in the tables contained in Annex 1-B and Annex 1-G of the

General Provisions applicable to credit institutions, so that the ratings issued by this

company can be used by credit institutions in the calculation of capital requirements

for credit risk under the standard method, and

That in order to update the sources of information and indicators contained in Annex 1-T Bis of the

cited Provisions, to maintain operationally valid the application of the methodology used

to determine the systemic nature of multiple banking institutions, in order to make consistent the

accounting criteria applicable to said institutions with Financial Reporting Standard 9

( International Financial Reporting Standard 9 or IFRS9 by its name and acronym in English), it has resolved

to issue

the following:

RESOLUTION MODIFYING THE GENERAL PROVISIONS

APPLICABLE TO

CREDIT INSTITUTIONS

SINGLE.- The Annexes 1-B, 1-G and 1-T Bis of the "General Provisions

applicable to credit institutions", published in the Official Journal of the Federation on December 2, 2005

and modified by various resolutions, the last one published in said dissemination medium on September 2,

2022, are SUBSTITUTED, to read as follows:

" FIRST to FIFTH TITLES . . .

Annexes 1 and 1-A

. . .

Annex 1-B

Rating and Risk Grade Mapping.

Annexes 1-C to 1-F

. . .

Annex 1-G

Rating and Risk Grade Mapping for Securitization

Schemes.

Annexes 1-H to 1-T

. . .

Annex 1-T Bis

Information sources to calculate the capital supplement for systemic

importance.

Annexes 1-T Bis 1 to 73

. . . "

TRANSITORY

SINGLE.- This Resolution will enter into force the day following its publication in the Official Journal

of the Federation.

Respectfully

Mexico City, October 10, 2022. - President of the National Banking and Securities Commission,

Dr. Jesús de la Fuente Rodríguez. - Signature.

ANNEX 1-B

RATING AND RISK GRADE MAPPING

Long-term Rating and Risk Grade Correspondence Table

Risk Grades

Standard

Method

Recognized Rating Scales

Global Scale

Risk Weight

Local Mexico Scale

Risk Weight

S&P

MOODY'S

FITCH

HR

RATINGS

A.M. Best

DBRS

Group

II

Group

III

Group

VII

S&P

MOODY'S

FITCH

HR

RATINGS

VERUM

A.M. Best

DBRS

Group

II

Group

III

Group

VII

1

AAA

AA+

AA

AA-

Aaa

Aa1

Aa2

Aa3

AAA

AA+

AA

AA-

HR AAA

(G)

HR AA+

(G)

HR AA (G)

HR AA- (G)

aaa

aa+

aa

aa-

AAA

AA (high)

AA

AA (low)

0%

20%

20%

2

A+

A

A-

A1

A2

A3

A+

A

A-

HR A+ (G)

HR A (G)

HR A- (G)

a+

a

a-

A (high)

A

A (low)

20%

20%

50%

mxAAA

AAA.mx

AAA

(mex)

HR AAA

AAA/M

aaa.mx

AAA.MX

20%

20%

20%

3

BBB+

BBB

BBB-

Baa1

Baa2

Baa3

BBB+

BBB

BBB-

HR BBB+

(G)

HR BBB

(G)

HR BBB-

(G)

bbb+

bbb

bbb-

BBB (high)

BBB

BBB (low)

50%

20%

100%

mxAA+

mxAA

mxAA-

AA+.mx

AA.mx

AA-.mx

AA+ (mex)

AA (mex)

AA- (mex)

HR AA+

HR AA

HR AA-

AA+/M

AA/M

AA-/M

aa+.mx

aa.mx

aa-.mx

AA.MX (high)

AA.MX

AA.MX (low)

50%

20%

50%

4

BB+

BB

BB-

Ba1

Ba2

Ba3

BB+

BB

BB-

HR BB+

(G)

HR BB (G)

HR BB- (G)

bb+

bb

bb-

BB (high)

BB

BB (low)

100%

100%

100%

mxA+

mxA

mxA-

A+.mx

A.mx

A-.mx

A+ (mex)

A (mex)

A- (mex)

HR A+

HR A

HR A-

A+/M

A/M

A-/M

a+.mx

a.mx

a-.mx

A.N.MX (high)

A.N.MX

A.N.MX (low)

100%

20%

100%

mxBBB+

mxBBB

mxBBB-

BBB+.mx

BBB.mx

BBB-.mx

BBB+

(mex)

BBB

(mex)

BBB-

(mex)

HR BBB+

HR BBB

HR BBB-

BBB+/M

BBB/M

BBB-/M

bbb+.mx

bbb.mx

bbb-.mx

BBB.N.MX (high)

BBB.N.MX

BBB.N.MX

(low)

5

B+

B

B-

B1

B2

B3

B+

B

B-

HR B+ (G)

HR B (G)

HR B- (G)

b+

b

b-

B (high)

B

B (low)

100%

150%

150%

mxBB+

mxBB

mxBB-

BB+.mx

BB.mx

BB-.mx

BB+ (mex)

BB (mex)

BB- (mex)

HR BB+

HR BB

HR BB-

BB+/M

BB/M

BB-/M

bb+.mx

bb.mx

bb-.mx

BB.N.MX(high)

BB.N.MX

BB.N.MX (low)

100%

100%

100%

6

CCC

CC

C

and lower

Caa

Ca

C

and lower

CCC

CC

C

and lower

HR C+ (G)

HR C (G)

HR C- (G)

and lower

ccc+

ccc

ccc-

and lower

CCC(high)

CCC

CCC

(low)

and lower

150%

150%

150%

mxB+

mxB

mxB-

mxCCC

mxCC

and lower

B+.mx

B.mx

B-.mx

CCC+.mx

CCC.mx

CCC-.mx

CC.mx

C.mx

and lower

B+ (mex)

B (mex)

B- (mex)

CCC

(mex)

CC (mex)

C (mex)

and lower

HR B+

HR B

HR B-

HR C+

HR C

HR C-

and lower

B+/M

B/M

B-/M

C/M

D/M

and lower

b+.mx

b.mx

b-.mx

ccc+.mx

ccc.mx

ccc-.mx

and lower

B.N.MX (high)

B.N.MX

B.N.MX (low)

CCC.N.MX (high)

CCC.N.MX

CCC.N.MX

(low)

and lower

150%

150%

150%

Not

Rated

100%

100%

100%

100%

100%

100%

Short-term Rating and Risk Grade Correspondence Table

Risk Grades

Short Term

Standard Method

Recognized Rating Scales

Risk Weight

Global Scale

Local Mexico Scale

S&P

MOODY'S

FITCH

HR RATINGS

A.M. Best

DBRS

S&P

MOODY'S

FITCH

HR RATINGS

VERUM

DBRS

1

A-1+

A-1

P-1

F1+

F1

HR+1 (G)

HR1 (G)

AMB-1+

AMB-1

R-1 (high)

R-1 (medium)

R- (low)

mxA-1+

mxA-1

ML A-1.mx

F1+(mex)

F1 (mex)

HR+1

HR1

1+/M

1/M

R-1.N (high)

R-1.N (medium)

R-1.N (low)

20%

2

A-2

P-2

F2

HR2 (G)

AMB-2

R-2 (high)

R-2 (medium)

R-2 (low)

mxA-2

ML A-2.mx

F2 (mex)

HR2

2/M

R-2.N (high)

R-2.N (medium)

R-2.N (low)

50%

3

A-3

P-3

F3

HR3 (G)

AMB-3

R-3

mxA-3

ML A-3.mx

F3 (mex)

HR3

3/M

R-3.N

100%

4

B

B

HR4 (G)

AMB-4

R-4

mxB

ML B.mx

B (mex)

HR4

4/M

R-4.N

120%

5

C

NP

C

HR5 (G)

and lower

R-5

and lower

mxC and

lower

ML C.mx

and lower

C (mex) and

lower

HR5 and

lower

D/M and

lower

R-5.N

and lower

150%

Unclassified short-term credits shall be weighted at 100%.

ANNEX 1-G

RATING AND RISK GRADE MAPPING FOR SECURITIZATION SCHEMES

When a Rating Agency grants a Rating, according to the scale and type of currency that

corresponds, Institutions must adhere to the following matrix to associate the Rating assigned

with the Risk Grade detailed below.

External rating-based method for securitizations

Long-term Ratings and Risk Grades

global and local scales

Long-term Risk Grades

Internal or

Inferred Rating-based Method

Authorized Rating Scales

S&P Global

Scale

MOODY'S

Global Scale

FITCH

Global

Scale

HR RATINGS

Global Scale

A.M. Best

Global

Scale

DBRS

Global

Scale

S&P CaVal

Mexico Scale

MOODY'S

Mexico Scale

FITCH

Mexico

Scale

HR RATINGS

Mexico

Scale

VERUM

Mexico

Scale

A.M. Best

Mexico

Scale

DBRS

Mexico Scale

Grade 1

1.1

AAA

Aaa

AAA

HR AAA (G)

aaa

AAA

1.2

AA+

Aa1

AA+

HR AA+ (G)

aa+

AA (high)

1.3

AA

Aa2

AA

HR AA (G)

aa

AA

1.4

AA-

Aa3

AA-

HR AA- (G)

aa-

AA (low)

mxAAA

AAA.mx

AAA (mex)

HR AAA

AAA/M

aaa.MX

AAA.MX

Grade 2

2.1

A+

A1

A+

HR A+ (G)

a+

A (high)

mxAA+

AA+.mx

AA+ (mex)

HR AA+

AA+/M

Aa+.MX

AA.MX (high)

2.2

A

A2

A

HR A (G)

a

A

mxAA

AA.mx

AA (mex)

HR AA

AA/M

aa.MX

AA.MX

2.3

A-

A3

A-

HR A- (G)

a-

A (low)

mxAA-

AA-.mx

AA- (mex)

HR AA-

AA-/M

aa-.MX

AA.MX (low)

Grade 3

3.1

BBB+

Baa1

BBB+

HR BBB+ (G)

bbb+

BBB (high)

mxA+

A+.mx

A+ (mex)

HR A+

A+/M

a+.MX

A.N.MX (high)

3.2

BBB

Baa2

BBB

HR BBB (G)

bbb

BBB

mxA

A.mx

A (mex)

HR A

A/M

a.MX

A.N.MX

3.3

BBB-

Baa3

BBB-

HR BBB- (G)

bbb-

BBB (low)

mxA-

A-.mx

A- (mex)

HR A-

A-/M

a-.MX

A.N.MX (low)

Grade 4

4.1

BB+

Ba1

BB+

HR BB+ (G)

bb+

BB (high)

mxBBB+

BBB+.mx

BBB+ (mex)

HR BBB+

BBB+/M

bbb+.mx

BBB.N.MX

(high)

4.2

BB

Ba2

BB

HR BB (G)

bb

BB

mxBBB

BBB.mx

BBB (mex)

HR BBB

BBB/M

bbb.mx

BBB.N.MX

4.3

mxBBB-

BBB-.mx

BBB- (mex)

HR BBB-

BBB-/M

bbb-.mx

BBB.N.MX

(low)

4.4

BB-

Ba3

BB-

HR BB- (G)

bb-

BB (low)

mxBB+

BB+.mx

BB+ (mex)

HR BB+

BB+/M

bb+.mx

BB.N.MX (high)

4.5

mxBB

BB.mx

BB (mex)

HR BB

BB/M

bb.mx

BB.N.MX

4.6

mxBB-

BB-.mx

BB- (mex)

HR BB-

BB-/M

bb-.mx

BB.N.MX (low)

Grade 5

5.1

B+

B1

B+

HR B+ (G)

b+

B (high)

5.2

B

B2

B

HR B (G)

b

B

5.3

B-

B3

B-

HR B- (G)

b-

B (low)

5.4

CCC

Caa

CCC

HR C+ (G)

ccc+

CCC (high)

mxB+

B+.MX

B+ (mex)

HR B+

B+/M

b+.mx

B.N.MX (high)

5.5

CC

Ca

CC

HR C (G)

ccc

CCC

mxB

B.MX

B (mex)

HR B

B/M

b.mx

B.N.MX

5.6

C

C

C

HR C- (G)

ccc-

CCC (low)

mxB-

B-.MX

B- (mex)

HR B-

B-/M

b-.mx

B.N.MX (low)

5.7

and lower

and lower

and lower

and lower

and lower

and lower

mxBCCC

CCC+.mx

CCC (mex)

HR C+

C/M

ccc+

CCC.N.MX

(high)

5.8

mxCC and

lower

CCC.mx

CC (mex)

HR C

D/M

ccc

CCC.N.MX

5.9

CCC-.mx

CC.mx

C.mx and

lower

C (mex) and

lower

HR C- and

lower

E/M and

lower

ccc- and

lower

CCC.N.MX

(low) and

lower

Short-term Ratings and Risk Grades

Risk Grades

Short Term Method

Internal or

Inferred Rating-based

Authorized Rating Scales

S&P

Global

Scale

MOODY'S

Global

Scale

FITCH

Global

Scale

HR

RATINGS

Global

Scale

A.M. Best

Global

Scale

DBRS

Mexico

Scale

S&P

CaVal

Mexico

Scale

MOODY'S

Mexico

Scale

FITCH

Mexico

Scale

HR

RATINGS

Mexico

Scale

VERUM

Mexico

Scale

DBRS

Mexico

Scale

1

A-1+

A-1

P-1

F1+

F1

HR+1 (G)

HR1 (G)

AMB-1+

AMB-1

R-1 (high)

R-1 (medium)

R-1 (low)

mxA-1+

mxA-1

ML A-1.mx

F1+ (mex)

F1 (mex)

HR+1

HR1

1+/M

1/M

R-1 (high)

R-1 (medium)

R-1 (low)

2

A-2

P-2

F2

HR2 (G)

AMB-2

R-2 (high)

R-2 (medium)

R-2 (low)

mxA-2

ML A-2.mx

F2 (mex)

HR2

2/M

R-2 (high)

R-2 (medium)

R-2 (low)

3

A-3

P-3

F3

HR3 (G)

AMB-3

R-3

mxA-3

ML A-3.mx

F3 (mex)

HR3

3/M

R-3.N

4

B

B

HR4 (G)

AMB-4

R-4

mxB

ML B.mx

B (mex)

HR4

4/M

R-4.N

5

C

NP

C

HR5 (G)

and lower

R-5 and

Lower

mxC and

lower

ML C.mx

and lower

C (mex) and

lower

HR5 and lower

D/M and lower

R-5.N and

Lower

ANNEX 1-T BIS

INFORMATION SOURCES TO CALCULATE THE CAPITAL SUPPLEMENT

FOR SYSTEMIC IMPORTANCE

The public information sources that must be used by multiple banking institutions for

the calculation of the score contained in Annex 1-T of these provisions are detailed below.

Said

score will allow identifying those multiple banking institutions to be classified as Multiple Banking

Institutions of Local Systemic Importance, in accordance with Chapter VI Bis 1 of Title First

Bis of these provisions.

The information sources for the construction of the indicators are as follows:

No.

INDICATOR

SOURCE

DESCRIPTION

A. SIZE

1

Size: Assets on and

off Balance Sheet

Commission:

Reports R12 A-1219 (if consolidates with

SOFOMERS) and Report R10 A-1011 (in

other cases)

Total Assets of the consolidated Institution.

Sum of the accounts:

100000000000 - Asset

700600001001 - Credit commitments

B. INTERCONNECTION

2

Deposits and loans with

other financial institutions

Commission:

Regulatory Report

R01: Minimum Catalog

Deposits and call-money loans in financial

institutions. Minimum Catalog accounts. Sum of

the following concepts:

100200203001 - Deposits in Bank of Mexico

100200203002 - Deposits in Other Entities

Financial

100200603005 - Interbank Loans (

Call

Money)

3

Holding of debt securities,

commercial paper and bank

deposit certificates

Commission:

Regulatory Report

R01: Minimum Catalog

Holding of debt securities, commercial paper and

deposit certificates. Minimum Catalog accounts.

Sum of the following concepts:

100600104002 - Negotiable financial instruments

without restriction, bank debt

100600204006 - Negotiable financial instruments

restricted or pledged in repo operations, bank

debt

100600304009 - Negotiable financial instruments

restricted or pledged in securities lending operations, bank

debt

100600404013 - Negotiable financial instruments

restricted or pledged (others), bank

debt

100600504017 - Financial instruments to collect

or sell without restriction, bank debt

100600604020 - Financial instruments to collect

or sell restricted or pledged in

repo operations, bank debt

100600704023 - Financial instruments to collect

or sell restricted or pledged in

securities lending operations, bank debt

100600804026 - Financial instruments

to collect

or sell restricted or pledged (others),

bank debt

100602805030 - Financial instruments to collect

principal and interest without restriction, bank debt

100602905033 - Financial instruments to collect

principal and interest restricted or pledged in

repo operations, bank debt

100603005036 - Financial instruments to collect

principal and interest restricted or pledged in

securities lending operations, bank debt

100603105039 - Financial instruments to collect

principal and interest restricted or pledged

(others), bank debt

4

Positive exposure of securities

with other financial

institutions (Debtors by

repo and Securities Lending)

Commission:

Regulatory Report R01:

Minimum Catalog

Asset accounts of the Minimum Catalog. Sum of the

following concepts:

101000001001 - Debtors by repo

101200001001

• Securities Loans

5

Debtors by settlement of

operations

Commission:

Regulatory Report R01:

Minimum Catalog

Debtors by Settlement of operations, accounts of the

Minimum Catalog. Sum of the following concepts:

102400104001 - Foreign Exchange Sales and Purchases

102400104002 - Investments in financial

instruments

102400104003 - Repos

102400104004 - Securities Lending

102400104005 - Financial derivative instruments

6

Creditors by Settlement of

operations

Commission:

Regulatory Report R01:

Minimum Catalog

Creditors by Settlement of operations, accounts

of the Minimum Catalog. Sum of the concepts

following:

202400103001 - Foreign Exchange Sales and Purchases

202400103002 - Investments in financial

instruments

202400103003 - Repos

202400103004 - Securities Lending

202400103005

• Financial derivative instruments

7

Loans from financial

entities, banking and non

banking

Commission:

Regulatory Report R01:

Minimum Catalog

Minimum Catalog accounts.

Sum of the following concepts:

Short term:

200400203002 - Loans from Multiple Banking Institutions

200400203004 - Loans from Development Banking Institutions

200400203006 - Loans from Other Bodies

Long term:

200400303010 - Loans from Multiple Banking Institutions

200400303012 - Loans from Development Banking Institutions

200400303014 - Loans from Other Bodies

8

Negative exposure of

securities with other financial

entities (creditors by

repo and securities lending)

Commission:

Regulatory Report R01:

Minimum Catalog

Liability accounts of the Minimum Catalog. Sum of the

following concepts:

200800001001 - Creditors by repo

201000001001 - Securities Lending

9

Debt issuances, commercial

paper and deposit

certificates

Banking Base, Corporate Base and

Eurobond Base of the price

providers referred to in the

Securities Market Law.

Debt issuances, commercial paper and

deposit certificates

C. IMPORTANCE OF

SERVICES AND

INFRASTRUCTURE

10

Assets in Custody

Commission:

Reports R12 A-1219 (if consolidates with

SOFOMERS) and Report R10 A-1011 (in

other cases)

Sum of the following concepts:

700800001001 - Assets in Trust or Mandate

701200001001 - Assets in Custody or in

Administration

701400102001 - Cash Managed in Trust

11

Payments in National Currency

BANXICO:

SISPAGOS: Sections: 2.3.2, 2.4.2, 4.1.1

and 4.2.1.

http://www.banxico.org.mx/SieInternet/con sultarDirectorioInternetAction.do?accion=c onsultarCuadro&idCuadro=CF262&sector= 21&locale=es

These are the sum of the national operations of the

multiple banking institution with respect to the total

respective made through:

a)

In ATMs with:

Concept

Key

Section

Credit cards

1728

2.3.2

Debit cards

1724

b)

In point of sale terminals:

Concept

Key

Section

Credit cards

1728

2.4.2

Debit cards

1724

c)

Through the internet:

Concept

Key

Section

Internal

(which

involve

payments

to

third parties)

1802

4.1.1

Internal

(which

involve

payments

to

own accounts)

1803

Interbank

(own clients

performing

same-day operations to

other

banks)

1805

Interbank (own clients

performing

scheduled

operations to

other

banks)

1806

d)

Other access means (kiosks or self-service

centers, telephone or other devices)

Concept

Key

Section

Internal (own clients

in

access

means

own)

1801

4.2.1

Interbank (own clients performing

transfers to other

banks through access

means

own)

1804

12

Market Makers and/or

Clearing Members

Ministry of

Treasury and Public Credit:

http://www.hacienda.gob.mx

Derivatives Exchange:

http://www.mexder.com.mx

This is the following dichotomous variable:

1 = If according to the Ministry of Treasury and

Public Credit the multiple banking institution is

maker of the Debt and Udibonos markets and/or

said institution is a Clearing Member according to what

published by MexDer.

0 = In any other case.

13

Participation in selected

portfolios

Reports R12 A-1219 (if consolidates with

SOFOMERS) and R10 A-1011 (in other cases)

The totals of the credit portfolios of the

multiple banking institutions can

be consulted in the information portfolio available at:

https://www.cnbv.gob.mx

Sum of the participation of the multiple banking

institution with respect to the total of multiple banking in:

a)

Total portfolio. Sum of:

101800104001 - Credit portfolio

with credit risk stage 1

101800104002 - Credit portfolio

with credit risk stage 2

101800104003 - Credit portfolio

with credit risk stage 3

101800104004 - Credit portfolio

valued at fair value

b)

Companies. Sum of:

101800107001 - Credit portfolio

without restriction with credit risk

stage 1

101800207004 - Credit portfolio

restricted with credit risk

stage 1

101800506007- Credit portfolio with credit risk

stage 2

101800806023 - Credit portfolio with credit risk

stage 3

101801106039 - Credit portfolio valued at

fair value

c)

Financial entities. Sum of:

101800107002 - Credit portfolio

without restriction with credit risk

stage 1

101800207005 - Credit portfolio

restricted with credit risk

stage 1

101800506008 - Credit portfolio

with credit risk

stage 2

101800806024 - Credit portfolio

with credit risk

stage 3

101801106040 - Credit portfolio

valued at

fair value

d)

States and municipalities. Sum of:

101800308012 - Credit portfolio without restriction

with credit risk stage 1

101800608026 - Credit portfolio restricted with

credit risk stage 1

101800907044 - Credit portfolio with credit risk

stage 2

101802507060 - Credit portfolio with credit risk

stage 3

101804107076 - Credit portfolio valued at

fair value

e)

Other governmental. Sum of:

101800107003 - Credit portfolio without restriction

with credit risk stage 1

101800207006 - Credit portfolio restricted with

credit risk stage 1

101800506009 - Credit portfolio with credit risk

stage 2

101800806025 - Credit portfolio with credit risk

stage 3

101801106041 - Credit portfolio valued at

fair value

f)

Credit card. Sum of:

101800307007 - Credit portfolio without restriction

with credit risk stage 1

101800407015 - Credit portfolio restricted with

credit risk stage 1

101800606010 - Credit portfolio with credit risk

stage 2

101800906026 - Credit portfolio with credit risk

stage 3

101801206042 - Credit portfolio valued at

fair value

g)

Non-revolving consumption. Sum of:

101800307008 - Personal without restriction stage

1

101800307009 - Payroll without restriction stage 1

101800307010 - Automotive without restriction stage 1

101800307011 - Acquisition of movable goods

without restriction stage 1

101800307012 - Financial leasing operations

without restriction stage 1

101800307013 - Microcredits without restriction

stage 1

101800307014 - Other consumer credits without

restriction stage 1

101800407016 - Personal restricted stage 1

101800407017 - Payroll restricted stage 1

101800407018 - Automotive restricted stage 1

101800407019 - Acquisition of movable goods

restricted stage 1

101800407020 - Financial leasing operations

restricted stage 1

101800407021 - Microcredits restricted stage

1

101800407022 - Other consumer credits

restricted stage 1

101800606011 - Personal stage 2

101800606012 Payroll stage 2

101800606013 - Automotive stage 2

101800606014 - Acquisition of movable goods

stage 2

101800606015 - Financial leasing operations stage 2

101800606016 - Microcredits stage 2

101800606017 - Other consumer credits

stage

2

101800906027 - Personal stage 3

101800906028 - Payroll stage 3

101800906029 - Automotive stage 3

101800906030 - Acquisition of movable goods

stage 3

101800906031 - Financial leasing operations stage 3

101800906032 - Microcredits stage 3

101800906033 - Other consumer credits

stage 3

101801206043 - Personal valued at fair

value

101801206044 - Payroll valued at fair

value

101801206045 - Automotive valued at fair

value

101801206046 - Acquisition of movable goods

valued at fair value

101801206047 - Financial leasing operations valued at fair value

101801206048 - Microcredits valued at fair

value

101801206049 - Other consumer loans

valued at fair value

h)

Housing. Sum of:

101800105003 - Housing loans stage 1

101800205007 - Housing loans stage 2

101800305010 - Housing loans stage 3

101800405013 - Housing loans valued at fair value

D. COMPLEXITY OF YOUR

OPERATIONS

14

Trading and

available for sale values

Commission:

Regulatory Report R01:

Minimum Catalog

Sum of the absolute value of the amount of the trading and available for sale portfolio (debt,

repos, equities, and derivatives). The concepts must

be reported net.

Accounts from the Minimum Catalog:

100600102001 - Negotiable financial instruments

100600102002 - Financial instruments to collect

or sell

101000001001 - Debtors by Repo

101400001001 - Financial derivative instruments

Less

200800001001 - Creditors by Repo

201400001001 - Financial derivative instruments

15

Value of the position in

derivatives

Commission:

Regulatory Report R01:

Minimum Catalog

Sum of the Absolute Value (MtM of the positions

positive (buy) and negative positions

(sell) of derivatives). Accounts from the Minimum

Catalog: Derivatives (Asset):

101400102001 - For Trading Purposes

101400102002 - For Hedging Purposes

Plus

Derivatives (Liability):

201400102001 - For Trading Purposes

201400102002 - For Hedging Purposes

---

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