subject matter - santander méxico · deferred taxes to profit credited relying on future income...

Subject Matter

Complementary information for the Second Quarter of 2019, in compliance with the obligation of disclosure of capital Annex 1-O

Banco Santander México, S.A. de C.V., Institución de Banca Múltiple, Grupo Financiero Santander México

Santander Vivienda S.A. de C.V. SOFOM, E.R.

Santander Consumo, S.A. de C.V. SOFOM, E.R.

Santander Inclusión Financiera, S.A. de C.V. SOFOM, E.R. (Only available in spanish)

Banco Santander México, S.A. de C.V., Institución de Banca Múltiple, Grupo Financiero Santander México


Reference Capital Description Capital

Level 1 (CET 1) Ordinary capital: Instruments and reserves

1 Ordinary shares that qualify for level 1 Common Capital plus corresponding premium 35,062

2 Earnings from previous fiscal years 63,098

3 Other elements of other comprehensive income (and other reserves) 35,447

4 Capital subject to gradual elimination of level 1 ordinary capital (only applicable for companies that are not lined to shares)

5 Ordinary shares issued by subsidiaries held by third parties (amount allowed in level 1 ordinary capital)

6 Level 1 ordinary capital before adjustments to regulation 133,607

Level 1 Ordinary capital: adjustments to regulation

7 Adjustments due to prudential valuation

8 Goodwill (net of its corresponding deferred profit taxes debited) 1,735

9 Other intangibles other than rights to mortgage rights (net of its corresponding deferred profit taxes debited) 5,914

10Deferred taxes to profit credited relying on future income excluding those that derive from temporary differences (net of deferred profit

taxes debited)0

11 Results of valuation of cash flow hedging instruments 0

12 Reserves to be constituted 0

13 Benefits surplus of securitization transactions 0

14 Losses and gains caused for the changes in credit rating of liabilities assessed at a reasonable value 0

15 Pension plan for defined benefits 0

16 Investments in proprietary shares 26

17 Reciprocal investments in ordinary capital 0

18

Investments in capital of banks, financial institutions and insurance companies out of the reach of the regulation consolidation, net of

short eligible positions, wherein the institution does not hold more than 10% of the issued capital (amount that exceeds the 10%

threshold)

231

19

Significant investments in ordinary shares of banks, financial institutions and insurance companies out of the scope of the regulation

consolidation, nets of eligible short positions, wherein the institutions holds more than 10% of the issued capital (amount that exceeds

the 10% threshold)

0

20 Rights for mortgage services (amount exceeding the 10% threshold) 0

21 Deferred taxes assets resulting from temporary differences (amount exceeding the 10% threshold, net of deferred taxes debited) 6,390

22 Amount exceeding the 15% threshold.

23 of which: significant investments wherein the institution holds more than 10% of ordinary shares of financial institutions

24 of which: rights for mortgage services

25 of which: Taxes to profit Deferred credited deriving from temporary differences

26 National regulation adjustments 29,167

A of which: Other elements of other comprehensive income (and other reserves) 0

B of which: investments in subordinated debt 0

C of which: profit or increase in the value of assets from the purchase of securitization positions (Originating Institutions) 0

D of which: investments in multilateral entities 0

E of which: investments in related corporations 27,684

F of which: investments in risk capital 0

G of which: Stakes on investments funds 0

H of which: Funding for the purchase of proprietary shares 0

I of which: Transactions in breach of provisions 0

J of which: Deferred charges and installments 1,034

K of which: Positions in First Losses Schemes 0

L of which: Worker's Deferred Profit Sharing 0

M of which: Relevant Related Persons 0

N of which: Pension plan for defined benefits 0

O of witch: Adjustment for capital acknowledgment 0

P of which: investments in Clearing Houses 449

27 Regulation adjustments that apply to level 1 common stock due to level 1 capital shortage and level 2 capital to cover deductions 0

28 Total regulation adjustments to level 1 Common Capital 43,462

29 Level 1 Common Capital (CET1) 90,145

Level 1 additional capital: instruments

30 Instruments directly issued that qualify as level 1 additional capital, plus premium 9,590

31 of which: Qualify as capital under the applicable accounting criteria 9,590

32 of which: Qualify as liability under the applicable accounting criteria

33 Capital instruments directly issued subject to gradual elimination of level 1 additional capital 0

34Instruments issued of level 1 additional capital and level 1 Common Capital instruments that are not included in line 5 issued by

subsidiaries held by third parties (amount allowed at additional level 1)0

35 of which: instruments issued by subsidiaries subject to gradual elimination

36 Level 1 additional capital before regulation adjustments 9,590

Level 1 additional capital: regulation adjustments

37 Investments in held instruments of level 1 additional capital

38 Investments in reciprocal shares in level 1 additional capital instruments.

39Investments in capital of banks, financial institutions and insurance companies out of the scope of the regulation consolidation, net of

short eligible positions, wherein the institution holds more than 10% of the issued capital

40Significant investments in ordinary shares of banks, financial institutions and insurance companies out of the scope of the regulation

consolidation, nets of eligible short positions, wherein the institutions holds more than 10% of the issued capital

41 National regulation adjustments 0

42 Regulation adjustments that apply to level 1 common stock due to level 1 capital shortage and level 2 capital to cover deductions

43 Total regulation adjustments to level 1 additional Common Capital 0

44 Level 1 additional capital (AT1) 9,590

Form of disclosure of the capital integration without considering the phase in in the application of regulatory adjustments

Table I.1

(Million Pesos)



Table I.1

(Million Pesos)

45 Level 1 capital (T1 = CET1 + AT1) 99,735

Level 2 capital: instruments and reserves

46 Instruments directly issued that qualify as level 2 capital, plus premium 25,296

47 Capital instruments directly issued subject to gradual elimination of level 2 capital.

48Level 2 capital instruments and level 1 Common Capital instruments and level 1 additional capital that has not been included in lines 5

or 34, which have been issued by subsidiaries held by third parties (amount allowed in level 2 completer capital)0

49 of which: instruments issued by subsidiaries subject to gradual elimination 0

50 Reserves 0

51 Level 2 capital before regulation adjustments 25,296

Level 2 capital : regulation adjustments

52 Investments in own instruments of level 2 capital

53 Reciprocal investments in level 2 capital instruments

54

Investments in capital of banks, financial institutions and insurance companies out of the scope of the regulation consolidation, net of

short eligible positions, wherein the institution does not hold more than 10% of the issued capital (amount exceeding the 10%

threshold)




57 Total regulation adjustments to level 2 capital 0

58 Level 2 capital (T2) 25,296

59 Total stock (TC = T1 + T2) 125,031

60 Total Risk Weighted Assets 757,896

Capital reasons and buffers

61 Level 1 Common Capital (as percentage of assets weighted by total risks) 11.89%

62 Level 1 Stock (as percentage of assets weighted by total risks) 13.16%

63 Total capital (as percentage of assets weighted by total risks) 16.50%

64Institutional specific buffer (must at least consist of: the level 1 Common Capital requirement plus the capital maintenance buffer, plus

the countercyclical buffer, plus D-SIB buffer; expressed as percentage of the total risk weighted assets)15.59%

65 of which: Buffer of capital preservation 2.50%

66 of which: Buffer of specific bank countercyclical

67 of which: Buffer of systematically important local banks (D-SIB) 1.20%

68 Level 1 Common Capital available for hedging the buffers (as percentage of total risk weighted assets) 4.89%

National minimums (if other than those of Basel 3)

69 National minimum reason of CET1 (if different than the minimum established by Basilea 3)

70 National minimum reason of T1 (if different than the minimum established by Basel 3)

71 National minimum reason of TC (if different than the minimum established by Basel 3)

Amounts under the deduction thresholds (before weighting by risk)

72 Non-significant investment in the capital of other financial institutions

73 Significant investment in the capital of other financial institutions

74 Rights for mortgage services (net of Deferred profit taxes debited)

75 Deferred profit taxes credited derived from temporary differences (net of Deferred profit taxes debited) 6,889

Applicable limits to the inclusion of reserves in level 2 capital

76Eligible reserves to be included in level 2 capital with respect to expositions subject to standardized methodology (prior application of

limit)

77 Limit in the inclusion of level 2 capital provisions under standardized methodology

78 Eligible reserves for its inclusion on level 2 capital regarding exposure subject to credit risks (before the limit application).

79 Limit in the inclusion of reserves in level 2 capital under internal rating methodology

Capital instruments subject to gradual elimination (applicable only between January 1, 2018 and January 1, 2022)

80 Current limit of CET1 instruments subject to gradual elimination

81 Amount excluded from CET1 due to limit (excess over the limit after amortization and maturity periods)

82 Current limit of AT1 instruments subject to gradual elimination

83 Amount excluded from AT1 due to limit (excess over the limit after amortization and maturity periods)

84 Current limit of T2 instruments subject to gradual elimination

85 Amount excluded from T2 due to limit (excess over the limit after amortization and maturity periods)

Reference Description

1 Elements of capital contributed pursuant to fraction I item a) numbers 1) and 2) of Article 2 Bis 6 hereof

2 Results from previous fiscal years and their corresponding updates.

3

Capital reserves, net result, result per assessment of titles available for sale, accrued effect per conversion, result per assessment of

cash flow, result from non-monetary assets holding, and the measuring balance from defined benefits to the employees considering on

each concept its updates.

4Does not apply. The capital stock of credit institutions in Mexico is represented by representative certificates or shares. This concept only

applies for entities where such capital is represented by representative certificates or shares.

5Does not apply for the capitalization scope in Mexico which is on a non-consolidated basis. This concept will only apply for entities with a

consolidated scope.

6 Sum of concepts 1 through 5.

7 Does not apply. In Mexico the use of internal models for calculating capital requirements per market risk is not allowed.

8 Goodwill, net of owed differed profit taxes pursuant to the provisions of fraction I item n) of Article 2 Bis 6 hereof.

9Intangibles, other than commercial credit, and if applicable to mortgage service rights, net of owed deferred profit taxes, pursuant to the

provisions of fraction I item n) of Article 2 Bis 6 hereof.

Credited deferred profit taxes from losses and fiscal credits pursuant to the provisions of fraction I item p) of Article 2 Bis 6 hereof.

This is a more conservative approach than the one established by the Basel Committee on Banking Supervision in its document "Basel

III: Global legal framework for the reinforcement of banks and banking systems" published on June 2011, given that it does not allow to

set off with owed differed profit taxes.

11 Result from assessment of cash flow hedging instruments corresponding to hedged entries that are not assessed at reasonable value.

Reserves pending constitution pursuant to the provisions of fraction I item k) of Article 2 Bis 6 hereof.

This is a more conservative approach than the one established by the Basel Committee on Banking Supervision in its document "Basel

III: Global legal framework for the reinforcement of banks and banking systems" published on June 2011, given that deducts from level 1

common stock the preventive reserves pending constitution, according to the provisions of Chapter V of the Second Title hereof, as well

as those constituted charged to accounting accounts that are part of the result entries or shareholders' equity and not only the positive

difference between the Aggregate Expected Losses minus the Aggregate Admissible Reserves, in the event the Institutions use methods

based in internal qualifications in the determination of their capital requirements.

13 Benefits surplus of securitization transactions pursuant to the provisions of fraction I item c) of Article 2 Bis 6 hereof.

14 Does not apply

15

Investments made by the benefit pension fund defined corresponding to resources to which the Institution does not have unrestrictive or

unlimited access. These investments are considered as net of the plan's liabilities and owed differed taxes to profit that correspond that

have not been applied in any other regulatory adjustment.

The amount of investment in any own action the institution acquires : in accordance with the provisions of the Act in accordance with the

provisions of section I subsection d) of Article 2 Bis 6 of these provisions ; through rates predicted values of section I subsection e ) of

Section 2 Bis 6 of these provisions and through investment in funds established in section I point i) of article 2 bis 6.

This treatment is more conservative than the one established by the Committee on Banking Basel Supervision in its document " Basel III

: A global regulatory framework for more resilient banks and banking systems " published in June 2011 because the deduction for this

concept is made of common equity tier 1 capital , regardless of the level of capital which has been invested

Investments, in capital of corporations, other than financial entities referred to by item f) of Article 2 Bis 6 hereof, that are in turn, directly

or indirectly, shareholders of the institution itself, of the fund

This is a more conservative approach to the one established by the Basel Committee on Banking Supervision in its documents "Basel III:

Global regulatory framework for the reinforcement of banks and banking systems" published on June 2011 given that the deduction for

this concept is made in the level 1 common stock, irrespective of the capital level where it has been invested, and in addition because

any type of entity is considered, not only financial entities.

Investments in shares, where the Institution owns up to 10% of the capital stock of the financial entities referred to by Articles 89 of the

Law and 31 of the Law Regulating Financial Groups pursuant to the provisions of fraction I item f) of Article 2 Bis 6 hereof, including

those investments made through investment funds referred to by fraction I item i) of Article 2 Bis 6. The previous investments exclude

those made in the capital of development and promotion multilateral organizations of an international nature that have a credit

Qualification assigned by any of the issuer's Qualifying Institutions, equal or greater than long term Risk Degree 2.



this concept is made in level 1 common stock, irrespective of the capital level in which it is invested, and additionally because it is

deducted from the aggregate amount registered of the investments.

Investments in shares, where the Institution owns up to 10% of the capital stock of the financial entities referred to by Articles 89 of the

Law and 31 of the Law Regulating Financial Groups pursuant to the provisions of fraction I fraction f) of Article 2 Bis 6 hereof, including

those investments made through investment funds referred to by fraction I item i) of Article 2 Bis 6. The previous investments exclude

those made in development and promotion multilateral organizations of an international nature that have a credit Qualification assigned

by any of the issuer's Qualifying institutions, equal or greater than long term Risk Degree 2.



this concept is made from level 1 common stock, irrespective of the level of capital where it has been investment, and additionally

because the aggregate amount registered of investments is deducted.

Mortgage service s rights shall be deducted from the aggregate amount registered in the event these rights exist.


Global regulatory framework for the reinforcement of banks and banking systems" published on June 2011 given that the aggregate

amount registered of rights is deducted.

21Deferred taxes assets resulting from temporary differences minus the corresponding owed differed profit taxes not considered to set-off

other adjustments, exceeding 10% of the difference between the reference 6 and the sum of references 7 through 20.

22 Does not apply. Concepts were deducted from the aggregate capital. See notes of references 19, 20 and 21.

23 Does not apply. Concepts were deducted from the aggregate capital. See note of references 19.

18*

20*

19*

Table I.2

Notes to Table I.1 “Form of disclosure of the capital integration without considering the phase in in the application of regulatory adjustments”

10*

12*

16*

17*



Table I.2


24 Does not apply. Concepts were deducted from the aggregate capital. See note of reference 20.


26 National adjustments considered as the sum of the following concepts.

A.

The sum of the accrued effect for conversion and result for ownership of non-monetary assets considering the amount of each of these

concepts with a sign different than the one considered to include them in reference 3, namely, if positive in this concept shall be entered

as negatives and vice versa.

B. Investments in subordinated debt instruments, pursuant to the provisions of fraction I item b) of Article 2 Bis 6 hereof.

C.

The amount resulting if on account of the purchase of securitization positions, the originating Institutions register a profit or increase in

the value of their assets with respect to the assets previously registered in its balance, pursuant to the provisions of fraction I item c) of

Article 2 Bis 6 hereof.

D.

Investments in capital of development or promotion multilateral organizations of an international nature pursuant to the provisions of

fraction I item f) of Article 2 Bis 6 hereof, that have a credit Qualification assigned by any of the issuer's Qualifying Institutions, equal or

better to long term Risk Degree 2.

E.

Investments in shares or corporations related to the Institution under the terms of Articles 73, 73 Bis and 73 Bis 1 of the Law, including

the amount corresponding to investments in investment funds and investments indices pursuant to the provisions of fraction I item g) of


F.Investments made by development banking institutions in risk capital, pursuant to the provisions of fraction I item h) of Article 2 Bis 6

hereof.

G.

Investments in shares, other than fix capital, in listed investment funds wherein the Institutions holds more than 15 per cent of

shareholder's equity of the aforementioned investment funds, pursuant to fraction I item i) of Article 2 Bis 6, that have not been

considered in the preceding references.

H.

Any type of contribution which resources are destined to the purchase of shares in the financial group's holding company, of the other

financial entities that comprise the group to which the Institution belongs or of the financial affiliates of the latter pursuant to the provisions

of fraction I item l) of Article 2 Bis 6 hereof.

I. Transactions that infringe the provisions, pursuant to the provisions of fraction I item m) of Article 2 Bis 6 hereof.

J.Differed charges and early payments, net of owed differed profit taxes, pursuant to the provisions of fraction I item n) of Article 2 Bis 6

hereof.

K.Positions pertaining to the First Losses Scheme where the risk is preserved or credit protection is provided up to a certain limit of a

position pursuant to fraction I item o) of Article 2 Bis 6.

L. Worker's participation in credited differed profits pursuant to fraction I item p) of Article 2 Bis 6 hereof.

M.The added amount of Transactions Subject to Credit Risk owed by Relevant Related Persons pursuant to fraction I item r) of Article 2 Bis

6 hereof.

N. The difference between the investments made by the benefit pension funds defined pursuant to Article 2 Bis 8 minus reference 15.

O.Adjustment for the acknowledgment of Net Capital . The amount shown corresponds to the amount registered in box C1 of the form

included in section II hereof.

P.

The investments or contributions, directly or indirectly, in the corporation's capital or in the trust estate or other type of similar figures that

have the purpose to set off and liquidate Transactions executed in the stock market, except for such corporation's or trust's share in the

former pursuant to item f) fraction I of Article 2 Bis 6.

27Does not apply. There are no regulatory adjustments for additional level 1 capital nor for ancillary capital. All regulatory adjustments are

made from the level 1 common stock.

28 Sum of lines 7 through 22, plus lines 26 and 27.

29 Line 6 minus line 28.

30The amount corresponding to titles representing the capital stock (including its share sale premium) that had not been considered in

Fundamental Capital and Capital Instruments, that meet the conditions established in fraction II of Article 2 Bis 6 hereof.

31 Amount of line 30 qualified as capital under the applicable accounting standards.

32Does not apply. Instruments directly issued that qualify as additional level 1 capital, plus its premium are registered for accounting

purposes as capital.

33Subordinated obligations computed as Non-Fundamental Capital, pursuant to the provisions of Article Third Transitory of Resolution 50th

that amends the general provisions applicable to Credit Institutions, (Resolution 50th)

34 Does not apply. See note to reference 5.


36 Sum of lines 30, 33 and 34.

37* Does not apply. Deduction is made in aggregate level 1 common capital.




41 National adjustments considered:

Adjustment for the acknowledgment of Net Capital. The amount shown corresponds to the amount registered in box C2 of the form


42Does not apply. There are no regulatory adjustments for ancillary capital. All regulatory adjustments are made from the level 1 common

stock.

43 Sum of lines 37 through 42.

44 Line 36, minus line 43.

45 Line 29, plus line 44.

46

The amount corresponding to titles representing the capital stock (including its share sale premium) that had not been considered in

Capital Fundamental nor in Non-Fundamental Capital and Capital Instruments, that comply with Exhibit 1-S hereof pursuant to the

provisions of Article 2 Bis 7 hereof.

47 Subordinated obligations computed as ancillary capital, pursuant to the provisions of Article Third Transitory, of Resolution 50th



50

Preventive estimations for credit risk up to a sum of 1.25% of the assets weighed by credit risk corresponding to the Transactions that

use the Standard Method to calculate the capital requirement per credit risk; and the positive difference of the Aggregate Admissible

Reserves minus the Aggregate Expected Losses, up to an amount that does not exceed of 0.6 per cent of the assets weighed by credit

risk, corresponding to the Transactions wherein the method based in internal qualifications to calculate the capital requirements by credit

risk is used, pursuant to fraction III of Article 2 Bis 7.

51 Sun of lines 46 through 48, plus line 50.



Table I.2


52* Does not apply. The deduction is made in aggregate of level 1 common stock.




National adjustments considered:

Adjustment for the acknowledgment of Net Capital. The amount shown corresponds to the amount registered in box C4 of the form





60 Total Risk Weighted Assets.

61 Line 29 divided by line 60 (expressed as percentages)

62 Line 45, divided by line 60 (expressed as percentages)


64 To report the percentages amount expressed on lines 61, 65, 66 and 67.

65 Report 2.5%

66 Percentage corresponding to the Countercyclical Capital buffer referred to on section c), subsection III, article 2 Bis 5

67The SCCS amount on line 64 (expressed as a percentage of the total risk weighted assets) which is related to the banking institutions’

capital buffer for systemic character, in accordance with section b), subsection III, article 2 Bis 5.

68 Line 61 minus 7%

69Does not apply. The minimum is the same as established by the Basel Committee on Banking Supervision in its document "Basel III:

Global regulatory framework for the reinforcement of banks and banking systems" published in June 2011.





72 Does not apply. The concept was deducted from the aggregate capital. See note of reference 18.



75

The amount, that does not exceed 10% of the difference between reference 6 and the sum of references 7 through 20, of the credited

differed taxes assets resulting from temporary differences minus those corresponding to owed profit taxes not considered to set off

other adjustments.

76Preventive estimations for credit risk corresponding to the Transactions that use the Standard Method to calculate the capital

requirement per credit risk.

771.25% of weighed assets per credit risk, corresponding to Transactions wherein the Standard Method to calculate the capital requirement

by credit risk.

78Positive difference of the Aggregate Admissible Reserves minus the Aggregate Expected Losses corresponding to Transactions wherein

the method based in internal qualifications to calculate the capital requirement by credit risk is used.

790.6 per cent of the weighted assets by credit risk, corresponding to Transactions wherein the method based in internal qualifications to

calculate the capital requirement by credit risk is used.

80 Does not apply. There are no instruments subject to transience that compute in level 1 common stock


82 Balance of instruments computed as capital in the basic portion by December 31, 2012 for the corresponding balance limit therein.

83 Balance of instruments computed as capital in the basic portion by December 31, 2012 minus line 33.

84Balance of instruments computed as capital in the complementary portion by December 31, 2012 for the corresponding balance limit

therein.


56

Reference of

the balance

sheet items

Balance sheet items

Amount shown

in the balance

sheet

Assets 1,344,394

BG1 Funds Available 73,159

BG2 Margin accounts 2,460

BG3 Investment in securities 282,175

BG4 Debtors under sale and repurchase agreements 66,282

BG5 Securities loans) -

BG6 Derivatives 147,087

BG7 Valuation adjustment for hedged financial assets 152

BG8 Total loan portfolio 633,328

BG9 Benefits to be received in securitization transactions 0

BG10 Other receivables (net) 78,889

BG11 Foreclosed assets (net 138

BG12 Property, furniture and fixtures (net) 8,497

BG13 Long-term investment in shares 30,533

BG14 Non current assets held for sale 0

BG15 Deferred income taxes (net) 13,280

BG16 Other assets (net) 8,414

Liabilities 1,210,777

BG17 Deposits 776,960

BG18 Bank and other loans 46,925

BG19 Creditors under sale and repurchase agreements 84,734

BG20 Securities loans 1

BG21 Collateral sold or pledged as guarantee 21,210

BG22 Derivatives 144,866

BG23 Valuation adjustment for hedged financial liabilities -11.930161

BG24 Creditors from settlement of transactions 0

BG25 Other payables, deferred revenues and other advances 100,864

BG26 Subordinated debentures outstanding 34,886

BG27 Deferred income taxes (net) 0

BG28 Deferred revenues and other advances 342

Shareholders' Equity 133,617

BG29 Paid-in capital 35,062

BG30 Other capital 98,554

Memorandum accounts 3,926,023

BG31 Guarantees granted 0

BG32 Contingent assets and liabilities 44

BG33 Credit commitments 123,545

BG34 Assets in trust or mandate 177,897

BG35 Federal Government financial agent

BG36 Assets in custody or under administration 2,057,957

BG37 Collateral received by the entity 140,124

BG38 Collateral received and sold or pledged as guarantee 49,536

BG39 Investment bank operations on behalf of third parties 0

BG40 Uncollected interest earned on past due loan portfolio 535

BG41 Other accounts 1,376,384

Table II.1

Balance sheet figures

(Million Pesos)

IdentifierRegulatory concepts considered for the calculation of

Net Capital components

Reference of the

format for the

disclosure of

capital

integration of

section I hereof

Amount pursuant to the

notes of the table

Regulatory concepts

considered for the

calculation of Net Capital

components

Reference(s) of balance

sheet item and amount

related with the regulatory

concept considered for the


derived from the

aforementioned reference

Asset

1 Goodwill 8 1,735

BG16= 8,414 Minus: deferred

charges and advance

payments 1,034; intangibles

5,914; advance payments

that are computed as risk

assets 316; other assets are

computed as risk assets 585

2 Intangible assets 9 5,914

BG16= 8,414 Minus: deferred

charges and advance

payments 1,034; intangibles

1,735; advance payments

that are computed as risk

assets 316; other assets that

are computed as risk assets

585

3Deferred income tax from tax losses carryforward and tax

credits10 0

4 Benefits to be received in securitization transactions 13 0

5Defined benefit pension plan assets with no restriction and

unlimited access15 0

6 Investment in own-equity securities 16 26

BG3= 282,175 Minus:

Reciprocal investments in

common capital of financial

entities 231; Investments in

securities computed as risk

assets 281,919

7 Reciprocal investments in common capital 17 0

8

Direct investments in the capital of financial entities wherein

the institution does not hold more than 10% of the issued

capital stock

18 0

9

Indirect investment in capital of financial entities wherein the

institution does not hold more than 10% of the issued capital

stock

18 231

BG3= 282,175 Minus:

Investment in own-equity

securities 26; Investments in

securities computed as risk

assets 281,919

10Direct investments in the capital of financial entities wherein

the institution holds more than 10% of the issued capital stock 19 0

11Indirect investment in capital of financial entities wherein the

institution holds more than 10% of the issued capital stock 19 0

12 Deferred income tax from temporary differences 21 6,390

BG15= 13,280 Minus:

Amount computed as risk

asset 6,889

13 Reserves recognized as complementary capital 50 0BG8= Total loan portfolio

633,328

14 Investments in subordinated debt 26 - B 0

15 Investments in multilateral entities 26 - D 0

BG13= 30,533 Minus:

Investments in subsidiaries

27,684; Investments in

clearing houses 449;

Investments in associated

companies 110; Other

investments that are

computed as risk assets

2291

16 Investments in associated companies 26 - E 27,684

BG13= 30,533 Minus:

Investments in clearing

houses 449; Investments in

associated companies 110;

Other investments that are


2,291

17 Investments in risk capital 26 - F 0

18 Investments in investment corporations 26 - G 0

Regulatory concepts considered in the calculation of Net Capital components

Table II.2

(Million Pesos)



Reference of the

format for the

disclosure of

capital

integration of

section I hereof


notes of the table

Regulatory concepts

considered for the


components






derived from the



Table II.2

(Million Pesos)

19 Financing for repurchase of own shares 26 - H 0

20 Deferred charges and advance payments 26 - J 1,042

BG16= 8,414 Minus:

intangible assets 7,649;

others assets that are

computed as risk assets 316;

other assets are computed as

risk assets 592

21 Deferred employee profit sharing (net) 26 - L 0

22 Defined benefit pension plan assets 26 - N 0

23 Investments in clearing houses 26 - P 449

BG13= 30,533 Minus:

Investments in subsidiaries

27,684; Investments in

associated companies 110;

other investments that are


2,291

Liabilities

24 Deferred income tax related to goodwill 8 0

25 Deferred income tax related to other intangible assets 9 0

26Provision for defined benefit pension plan with no restrictiion

and unlimited access15 0

27 Deferred income tax related to defined benefit pension plan 15 0

28 Deferred income tax related to other items 21 0

29 Subordinated liabilities that meets with Exhibit 1-R 31 0

30Subordinated liabilities subject to transitoriness that compute

as basic capital 233 0

31 Subordinated liabilities that meets with Exhibit 1-S 46 0

32Subordinated obligations subject to transitoriness that

compute as complementary capital47 0

33Deferred income tax related to deferred charges and

advance payments26 - J 0

Shareholders' Equity

34 Paid-in capital that meets with Exhibit 1-Q 1 35,062 BG29

35 Retained earnings 2 63,098

BG30= 98,554 Minus: other

items of earned capital

35,447, cumulative effect of

conversion 9

36 Result from valuation of cash flow hedge instruments 3 0

37 Other items of earned capital 3 35,447

BG30= 98,554 Minus:

Retained earnings

63,098,cumulative effect of

conversion 9

38 Paid-in capital that meets with Exhibit 1-R 31 9,590

BG26= 34,886 More:

Subordinated debt

instruments non-convertible

25,296

39 Paid-in capital that meets with Exhibit 1-S 46 25,296

BG26= 34,886 More:

Subordinated debt

instruments convertible 9,590

40 Result from valuation of cash flow hedge instruments 03, 11 0

41 Cumulative effect from conversion 3, 26 - A 0

42 Result from ownership of non-monetary assets 3, 26 - A 0

Accounts in order

43 Positions in First Losses Schemes 26 - K 0

Regulatory concepts not considered in the balance sheet

44 Reserves pending constitution 12 0

45Profit or increase of the value of assets from the purchase of

securitization positions (Originating Institutions)26 - C 0

46 Transactions that breach the provisions 26 - I 0

47 Transactions with Relevant Related Persons 26 - M 0

48 Repealed 0

Identifier Description

1 Commercial credit.

2 Intangibles, without including commercial credit.

3 Credited differed profit taxes originating from fiscal losses and credits.

4 Benefits regarding the remnant of securitization transactions.

5 Investments of pension plan for defined benefits without unrestrictive and unlimited access.

6

Any share that the Institution acquires pursuant to the provisions of the Law, that have not been

subtracted; considering those amounts acquired through investments in securities indexes and

the amount corresponding to investments in investment funds other than those provided by

reference 18.

7

Investments in shares in corporations other than financial entities referred to by item f) of fraction

I of Article 2 Bis 6 hereof, that are in turn, directly or indirectly shareholders of the Institution

itself, of the financial group's holding company, of the remaining financial entities that comprise

the group to which the Institution belongs or financial affiliates of the latter, considering those

investments corresponding to investment funds other than those provided by reference 18.

8

Direct investments in financial entities capital referred to by Article 89 of the Law and 12 and 8 of

the Law Regulating Financial Groups, where the Institution owns more than 10% of the capital

thereof.

9



thereof.

10



thereof.

11

Indirect investments in financial entities capital referred to by Article 89 of the Law and 12 and 8

of the Law Regulating Financial Groups, where the Institution owns more than 10% of the capital

thereof.

12 Credited differed profit taxes originating from temporary differences.

13

Preventive estimates for credit risk up to a sum of 1.25% of the weighted assets by credit risk,

corresponding to Transactions wherein the Standard Method is used to calculate the capital

requirement by credit risk; and the positive difference of the Aggregate Admissible Reserves

minus the Aggregate the Expected Losses, up to an amount that does not exceed of 0.6 per

cent of the weighted assets by credit risk, corresponding to Transactions where the method

based in internal qualifications is used to calculate the capital requirement by credit risk.

14Investments in subordinated debt instruments, pursuant to the provisions of fraction I item b) of


15

Investments in development or promotion multilateral organizations of an international nature

pursuant to the provisions of fraction I item f) of Article 2 Bis 6 hereof that have a credit

Qualification assigned by any of the issuer's Qualifying Institutions, equal or greater than long

term Risk Degree 2.

16

Investments in shares of corporations related with the Institution under the terms of Articles 73,

73 Bis and 73 Bis 1 of the Law, including the amount corresponding to investments in investment

corporations and investments in indices pursuant to the provisions of fraction I item g) of Article

2 Bis 6 hereof.

17Investments made in development banking institutions in risk capital, pursuant to the provisions

of fraction I item h) of Article 2 Bis 6 hereof.

18

Investments in shares, other than fix capital, of listed investment corporations, wherein the

Institution holds more than 15 per cent of shareholders' equity of the aforementioned investment

corporation, pursuant to fraction I item i) of Article 2 Bis 6, that have not been considered in the

previous references.

19

Any type of contributions which resources are destined to the purchase of shares of the financial

group's holding company, of the other financial entities that comprise the group to which the

Institution belongs or the latter's financial affiliates, pursuant to the provisions of fraction I item l)

of Article 2 Bis 6 hereof.

20 Differed charges and early payments.

21 Workers' share in credited differed profits pursuant to fraction I item p) of Article 2 Bis 6 hereof.

22Investments of the pension plan for benefits defined that have to be deducted according with


23

Investments or contributions, directly or indirectly, in the corporation's capital or in trust estate or

other type of similar figures that have the purpose of setting off and liquidating Transactions

executed in the stock market, unless the share in such corporations or trusts in the former

pursuant to item f) fraction I of Article 2 Bis 6.

24 Owed differed taxes to profit originating from temporary differences related to commercial credit.

25Owed differed taxes to profit originated from temporary differences related to other intangibles

(other than commercial credit).

26Liabilities of the pension plan for benefits defined related to investments of the pension plan for

defined benefits.

27Owed differed taxes originated from temporary differences related to the pension plan for

defined benefits.

28Owed differed profit taxes originated from temporary differences other than those of references

24, 25, 27 and 33

29 Amount of subordinated obligations that meet with Exhibit 1-R hereof.

30Amount of subordinated obligations subject to transience that are computed as Non-

Fundamental Capital.

31 Amount of subordinated obligations that meet with Exhibit 1-S hereof.

32 Amount of subordinated obligations subject to transience that compute as ancillary capital.

33Owed differed profit taxes originated from temporary differences related to differed charges and

early payments.

34 Amount of capital contributed that meets the provisions of Exhibit 1-Q hereof.

35 Result of the previous fiscal years.

36Result for the assessment of cash flow hedging instruments from covered entries assessed at

reasonable value.

37 Net result and result for the assessment of titles available for sale.

Table II.3

Notes to table II.2 "Regulatory concepts considered for the calculation of Net Capital components"

38 Amount of capital contributed that meets the provisions of Exhibit 1-R hereof.

39 Amount of capital contributed that meets the provisions of Exhibit 1-S hereof.


capitalized cost.

41 Accrued effect by conversion.

42 Result for ownership of non-monetary assets.

43Positions related with the First Losses Scheme wherein risk is preserved or credit protection

provided until certain limit of a position pursuant to fraction I item o) of Article 2 Bis 6.

44Reserves pending constitution pursuant to the provisions of fraction I item k) of Article 2 Bis 6

hereof.

45

The amount resulting if on account of the purchase of securitization positions, the originating

Institutions register a profit or an increase in the value of their assets with respect to assets

previously registered in its balance, pursuant to the provisions of fraction I item c) of Article 2

Bis 6 hereof.

46Transactions that infringe the provisions, pursuant to the provisions of fraction I item m) of


47The aggregate amount of Transactions Subject to Credit Risk owed by Relevant Related

Persons pursuant to fraction I item r) of Article 2 Bis 6 hereof.

Concept Amount of equivalent positions Capital Requirement

Transactions in national currency with nominal rate 88,267 7,061

Transactions with debt instruments in national currency

with surtax and reviewable rate578 46

Transactions in national currency with real rate or

denominated in UDIs6,761 541

Transactions in national currency with yield rate referred to

the increase of the General Minimum Wage10,623 850

Positions in UDIs or with yield referred to INPC 49 4

Positions in national currency with yield rate referred to the

increase of the General Minimum Wage365 29

Transactions in foreign currency with nominal rate 46,604 3,728

Positions in foreign currency or with yield indexed to the

exchange rate9,639 771

Positions in shares or with yield indexed to the price of one

share or set of shares5,822 466

Positions in commodities 0 0

Impact Capital requirement for Gamma and Vega 0.2 0.0

Table III.1

Positions exposed to market risks per risk factor

(Million Pesos)

ConceptRisk weighted

assets

Capital

requeriments

Group I-A (weighted at 0%) 0 0



Group I-B (weighted at 2%) 234 19

Group I-B (weighted at 4.0%) 0 0

Group II (weighted at 0%) 0 0

Group II (weighted at 20%) 5,589 447


Group II (weighted at 100%) 31,996 2,560



Group III (weighted at 2.5%) 0 0

Group III (weighted at 10%) 0 0


Group III (weighted at 20%) 36,146 2,892

Group III (weighted at 23%) 2,456 196







Group III (weighted at 100%) 38,296 3,064






Group IV (weighted at 0%) 0 0

Group IV (weighted at 20%) 10,209 817

Group V (weighted at 10%) 0 0

Group V (weighted at 20%) 6,324 506




Group VI (weighted at 20%) 0 0

Group VI (weighted at 50%) 31,731 2,538

Group VI (weighted at 75%) 12,447 996




Group VI (weighted at 172.5%) 0 0

Group VII-A (weighted at 10%) 0 0

Group VII-A (weighted at 11.5%) 0 0

Group VII-A (weighted at 20%) 14,747 1,180


Group VII-A (weighted at 50%) 4,303 344


Group VII-A (weighted at 100%) 108,843 8,707






Group VII-B (weighted at 0%) 0 0



Group VII-B weighted at 50%) 1,297 104

Group VII-B weighted at 57.5%) 8,758 701

Group VII-B (weighted at 100%) 46,346 3,708





Group VII-B (weighted at 172.5%) 0 0

Group VIII (weighted at 115%) 1,993 159


Group IX (weighted at 100%) 67,785 5,423

Group IX (weighted at 115%) 0 0


Group X (weighted at 1250%) 1,535 123

Other Assets (weighted at 0%) 0 0

Other Assets (weighted at 100%) 18,069 1,446

Credit Valuation Adjustment on Derivative Operations 30,507 2,441

Re-securitization with Risk Degree 1 (weighted at 20%) 8,443 675

Re-securitization with Risk Degree 2 (weighted at 50%) 0 0



Re-securitization with Risk Degree 4, o 5 or Not qualified (weighted at 1250%) 3,553 284

ReRe-securitization with Risk Degree 1 (weighted at 40%) 0 0




ReRe-securitization with Risk Degree 4, 5 or Not qualified (weighted at 1250%) 0 0

Table III.2

Assets weighted subject to credit risk by risk group

(Million Pesos)

Method Risk weighted Assets Capital Requirement

STANDARD ALTERNATIVE METHOD 51,226 4,098

Average of annual

positive net income of

the last 36 months

53,742

Average of requirement by market and credit risk of the last 36

months

Table III.3

Operational Risk weighted Assets

(Million Pesos)

Reference Characteristic Options

1 Issuer Banco Santander (Mexico), S. A.

2 ISIN, CUSIP or Bloomberg Identifier MX41BS060013

3 Legal frame Securities Market Law

Regulation treatment

4 Level of capital with transitory N.A

5 Level of capital without transitory Fundamental Capital

6 Instrument level Credit Institution without consolidating

7 Instrument type Series F Shares

8 Amount acknowledge of regulatory capital $15,210,402,155.77

9 Instrument's par value $3.78

9A Instrument's currency Mexican Pesos

10 Accounting qualification Capital

11 Date of issuance N.A

12 Instrument´s term Perpetual

13 Date of expiration Without expiration

14 Early payment clause No

15 First date of early payment N.A

15A Regulatory or fiscal events No

15B Liquidation price of the early payment clause N.A

16 Subsequent early payment dates N.A

Yields / Dividends

17 Type of yield/dividend Variable

18 Interest rate/dividend Variable

19 Cancellation of dividends clause No

20 Payment discretion Mandatory

21 Interest increase clause No

22 Yields/Dividends Not Accruable

23 Convertibility of the instrument N.A

24 Convertibility conditions N.A

25 Degree of convertibility N.A

26 Conversion rate N.A

27 Instrument convertibility rate N.A

28 Type of convertibility financial instrument N.A

29 Instrument issuer N.A

30 Write-down clause No

31 Conditions for write-down N.A

32 Degree of write-down N.A

33 Temporality of write-down N.A

34 Mechanism for temporary write down N.A

35 Subordination position in the event of liquidation Creditors in general

36 Breach characteristics No

37 Description of breach characteristics N.A

Table IV.1

Main characteristics of titles that are part of the Net Capital









7 Instrument type Series B Shares













Yields / Dividends






















Table IV.1.2


Santander Vivienda S.A. de C.V. SOFOM, E.R.












8 Goodwill (net of its corresponding deferred profit taxes debited) 0

9 Other intangibles other than rights to mortgage rights (net of its corresponding deferred profit taxes debited) 0


taxes debited)0








18



threshold)

0

19



the 10% threshold)

0


21 Deferred taxes assets resulting from temporary differences (amount exceeding the 10% threshold, net of deferred taxes debited) 0










E of which: investments in related corporations 0





J of which: Deferred charges and installments 358








28 Total regulation adjustments to level 1 Common Capital 441



30 Instruments directly issued that qualify as level 1 additional capital, plus premium 0

31 of which: Qualify as capital under the applicable accounting criteria 0






36 Level 1 additional capital before regulation adjustments 0











44 Level 1 additional capital (AT1) 0


Table I.1

(Million Pesos)



Table I.1

(Million Pesos)



46 Instruments directly issued that qualify as level 2 capital, plus premium 0





50 Reserves 0

51 Level 2 capital before regulation adjustments 0




54



threshold)





58 Level 2 capital (T2) 0

59 Total stock (TC = T1 + T2) 7,862




















75 Deferred profit taxes credited derived from temporary differences (net of Deferred profit taxes debited) 506



limit)














3

Capital reserves, net result, result per assessment of titles available for sale, accrued effect per conversion, result per assessment of cash flow,

result from non-monetary assets holding, and the measuring balance from defined benefits to the employees considering on each concept its

updates.

4Does not apply. The capital stock of credit institutions in Mexico is represented by representative certificates or shares. This concept only applies

for entities where such capital is represented by representative certificates or shares.


consolidated scope.







This is a more conservative approach than the one established by the Basel Committee on Banking Supervision in its document "Basel III: Global

legal framework for the reinforcement of banks and banking systems" published on June 2011, given that it does not allow to set off with owed

differed profit taxes.




legal framework for the reinforcement of banks and banking systems" published on June 2011, given that deducts from level 1 common stock the

preventive reserves pending constitution, according to the provisions of Chapter V of the Second Title hereof, as well as those constituted

charged to accounting accounts that are part of the result entries or shareholders' equity and not only the positive difference between the

Aggregate Expected Losses minus the Aggregate Admissible Reserves, in the event the Institutions use methods based in internal qualifications

in the determination of their capital requirements.


14 Does not apply

15

Investments made by the benefit pension fund defined corresponding to resources to which the Institution does not have unrestrictive or unlimited

access. These investments are considered as net of the plan's liabilities and owed differed taxes to profit that correspond that have not been

applied in any other regulatory adjustment.


provisions of section I subsection d) of Article 2 Bis 6 of these provisions ; through rates predicted values of section I subsection e ) of Section 2

Bis 6 of these provisions and through investment in funds established in section I point i) of article 2 bis 6.

This treatment is more conservative than the one established by the Committee on Banking Basel Supervision in its document " Basel III : A

global regulatory framework for more resilient banks and banking systems " published in June 2011 because the deduction for this concept is

made of common equity tier 1 capital , regardless of the level of capital which has been invested

Investments, in capital of corporations, other than financial entities referred to by item f) of Article 2 Bis 6 hereof, that are in turn, directly or

indirectly, shareholders of the institution itself, of the fund

This is a more conservative approach to the one established by the Basel Committee on Banking Supervision in its documents "Basel III: Global

regulatory framework for the reinforcement of banks and banking systems" published on June 2011 given that the deduction for this concept is

made in the level 1 common stock, irrespective of the capital level where it has been invested, and in addition because any type of entity is

considered, not only financial entities.

Investments in shares, where the Institution owns up to 10% of the capital stock of the financial entities referred to by Articles 89 of the Law and

31 of the Law Regulating Financial Groups pursuant to the provisions of fraction I item f) of Article 2 Bis 6 hereof, including those investments

made through investment funds referred to by fraction I item i) of Article 2 Bis 6. The previous investments exclude those made in the capital of

development and promotion multilateral organizations of an international nature that have a credit Qualification assigned by any of the issuer's

Qualifying Institutions, equal or greater than long term Risk Degree 2.



made in level 1 common stock, irrespective of the capital level in which it is invested, and additionally because it is deducted from the aggregate

amount registered of the investments.


31 of the Law Regulating Financial Groups pursuant to the provisions of fraction I fraction f) of Article 2 Bis 6 hereof, including those investments

made through investment funds referred to by fraction I item i) of Article 2 Bis 6. The previous investments exclude those made in development

and promotion multilateral organizations of an international nature that have a credit Qualification assigned by any of the issuer's Qualifying

institutions, equal or greater than long term Risk Degree 2.



made from level 1 common stock, irrespective of the level of capital where it has been investment, and additionally because the aggregate

amount registered of investments is deducted.



regulatory framework for the reinforcement of banks and banking systems" published on June 2011 given that the aggregate amount registered

of rights is deducted.

21Deferred taxes assets resulting from temporary differences minus the corresponding owed differed profit taxes not considered to set-off other

adjustments, exceeding 10% of the difference between the reference 6 and the sum of references 7 through 20.






Table I.2


18*

20*

19*

10*

12*

16*

17*



Table I.2


A.

The sum of the accrued effect for conversion and result for ownership of non-monetary assets considering the amount of each of these concepts

with a sign different than the one considered to include them in reference 3, namely, if positive in this concept shall be entered as negatives and

vice versa.


C.

The amount resulting if on account of the purchase of securitization positions, the originating Institutions register a profit or increase in the value

of their assets with respect to the assets previously registered in its balance, pursuant to the provisions of fraction I item c) of Article 2 Bis 6

hereof.

D.

Investments in capital of development or promotion multilateral organizations of an international nature pursuant to the provisions of fraction I

item f) of Article 2 Bis 6 hereof, that have a credit Qualification assigned by any of the issuer's Qualifying Institutions, equal or better to long term

Risk Degree 2.

E.

Investments in shares or corporations related to the Institution under the terms of Articles 73, 73 Bis and 73 Bis 1 of the Law, including the

amount corresponding to investments in investment funds and investments indices pursuant to the provisions of fraction I item g) of Article 2 Bis

6 hereof.

F. Investments made by development banking institutions in risk capital, pursuant to the provisions of fraction I item h) of Article 2 Bis 6 hereof.

G.

Investments in shares, other than fix capital, in listed investment funds wherein the Institutions holds more than 15 per cent of shareholder's

equity of the aforementioned investment funds, pursuant to fraction I item i) of Article 2 Bis 6, that have not been considered in the preceding

references.

H.

Any type of contribution which resources are destined to the purchase of shares in the financial group's holding company, of the other financial

entities that comprise the group to which the Institution belongs or of the financial affiliates of the latter pursuant to the provisions of fraction I item

l) of Article 2 Bis 6 hereof.


J. Differed charges and early payments, net of owed differed profit taxes, pursuant to the provisions of fraction I item n) of Article 2 Bis 6 hereof.

K.Positions pertaining to the First Losses Scheme where the risk is preserved or credit protection is provided up to a certain limit of a position

pursuant to fraction I item o) of Article 2 Bis 6.


M.The added amount of Transactions Subject to Credit Risk owed by Relevant Related Persons pursuant to fraction I item r) of Article 2 Bis 6

hereof.


O.Adjustment for the acknowledgment of Net Capital . The amount shown corresponds to the amount registered in box C1 of the form included in

section II hereof.

P.

The investments or contributions, directly or indirectly, in the corporation's capital or in the trust estate or other type of similar figures that have

the purpose to set off and liquidate Transactions executed in the stock market, except for such corporation's or trust's share in the former


27Does not apply. There are no regulatory adjustments for additional level 1 capital nor for ancillary capital. All regulatory adjustments are made

from the level 1 common stock.



30The amount corresponding to titles representing the capital stock (including its share sale premium) that had not been considered in Fundamental

Capital and Capital Instruments, that meet the conditions established in fraction II of Article 2 Bis 6 hereof.


32Does not apply. Instruments directly issued that qualify as additional level 1 capital, plus its premium are registered for accounting purposes as

capital.

33Subordinated obligations computed as Non-Fundamental Capital, pursuant to the provisions of Article Third Transitory of Resolution 50th that

amends the general provisions applicable to Credit Institutions, (Resolution 50th)









Adjustment for the acknowledgment of Net Capital. The amount shown corresponds to the amount registered in box C2 of the form included in

section II hereof.

42 Does not apply. There are no regulatory adjustments for ancillary capital. All regulatory adjustments are made from the level 1 common stock.




46

The amount corresponding to titles representing the capital stock (including its share sale premium) that had not been considered in Capital

Fundamental nor in Non-Fundamental Capital and Capital Instruments, that comply with Exhibit 1-S hereof pursuant to the provisions of Article 2

Bis 7 hereof.




50

Preventive estimations for credit risk up to a sum of 1.25% of the assets weighed by credit risk corresponding to the Transactions that use the

Standard Method to calculate the capital requirement per credit risk; and the positive difference of the Aggregate Admissible Reserves minus the

Aggregate Expected Losses, up to an amount that does not exceed of 0.6 per cent of the assets weighed by credit risk, corresponding to the

Transactions wherein the method based in internal qualifications to calculate the capital requirements by credit risk is used, pursuant to fraction III

of Article 2 Bis 7.







56



Table I.2



section II hereof.









65 Report 2.5%


67The SCCS amount on line 64 (expressed as a percentage of the total risk weighted assets) which is related to the banking institutions’ capital

buffer for systemic character, in accordance with section b), subsection III, article 2 Bis 5.

68 Line 61 minus 7%

69Does not apply. The minimum is the same as established by the Basel Committee on Banking Supervision in its document "Basel III: Global

regulatory framework for the reinforcement of banks and banking systems" published in June 2011.








75The amount, that does not exceed 10% of the difference between reference 6 and the sum of references 7 through 20, of the credited differed

taxes assets resulting from temporary differences minus those corresponding to owed profit taxes not considered to set off other adjustments.

76Preventive estimations for credit risk corresponding to the Transactions that use the Standard Method to calculate the capital requirement per

credit risk.

771.25% of weighed assets per credit risk, corresponding to Transactions wherein the Standard Method to calculate the capital requirement by

credit risk.

78Positive difference of the Aggregate Admissible Reserves minus the Aggregate Expected Losses corresponding to Transactions wherein the

method based in internal qualifications to calculate the capital requirement by credit risk is used.

790.6 per cent of the weighted assets by credit risk, corresponding to Transactions wherein the method based in internal qualifications to calculate

the capital requirement by credit risk is used.





84 Balance of instruments computed as capital in the complementary portion by December 31, 2012 for the corresponding balance limit therein.


56

Reference of

the balance

sheet items

Balance sheet items

Amount shown

in the balance

sheet

Assets 56,742

BG1 Funds Available 425

BG2 Margin accounts 0

BG3 Investment in securities 0

BG4 Debtors under sale and repurchase agreements 0


BG6 Derivatives 0



BG9 Benefits to be received in securitization transactions 83.710825

BG10 Other receivables (net) 122


BG12 Property, furniture and fixtures (net) 1

BG13 Long-term investment in shares 0



BG16 Other assets (net) 338

Liabilities 48,439

BG17 Deposits 0


BG19 Creditors under sale and repurchase agreements 0


BG21 Collateral sold or pledged as guarantee 0

BG22 Derivatives 0

BG23 Valuation adjustment for hedged financial liabilities 0


BG25 Other payables, deferred revenues and other advances 821

BG26 Subordinated debentures outstanding 0






Memorandum accounts 191,195



BG33 Credit commitments 0

BG34 Assets in trust or mandate 1,638


BG36 Assets in custody or under administration 261

BG37 Collateral received by the entity 0

BG38 Collateral received and sold or pledged as guarantee 0



BG41 Other accounts 189,163

Table II.1


(Million Pesos)

IdentifierRegulatory concepts considered for the calculation of Net Capital

components

Reference of the

format for the

disclosure of

capital

integration of

section I hereof


notes of the table

Regulatory concepts

considered for the


components






derived from the


Asset

1 Goodwill 8 0

2 Intangible assets 9 0

3 Deferred income tax from tax losses carryforward and tax credits 10 0

4 Benefits to be received in securitization transactions 13 84 BG9

5 Defined benefit pension plan assets with no restriction and unlimited access 15 0

6 Investment in own-equity securities 16 0

7 Reciprocal investments in common capital 17 0

8Direct investments in the capital of financial entities wherein the institution does

not hold more than 10% of the issued capital stock 18 0

9Indirect investment in capital of financial entities wherein the institution does not

hold more than 10% of the issued capital stock 18 0

10Direct investments in the capital of financial entities wherein the institution holds

more than 10% of the issued capital stock 19 0

11Indirect investment in capital of financial entities wherein the institution holds

more than 10% of the issued capital stock 19 0

12 Deferred income tax from temporary differences 21 0BG15= 506 Minus: amount

computes as risk asset 506

13 Reserves recognized as complementary capital 50 0



16 Investments in associated companies 26 - E 0




20 Deferred charges and advance payments 26 - J 338

BG16= 338 Plus: other

investments computed as risk

assets 0




Liabilities



26Provision for defined benefit pension plan with no restrictiion and unlimited

access15 0




30 Subordinated liabilities subject to transitoriness that compute as basic capital 2 33 0


32Subordinated obligations subject to transitoriness that compute as

complementary capital47 0

33 Deferred income tax related to deferred charges and advance payments 26 - J 0



35 Retained earnings 2 1,848

BG30= 3,029 Minus: other

elements of earned capital

1,181


37 Other items of earned capital 3 1,181BG30= 3,029 Minus:

Retained earnings 1,848

38 Paid-in capital that meets with Exhibit 1-R 31 0

39 Paid-in capital that meets with Exhibit 1-S 46 0




Accounts in order




45Profit or increase of the value of assets from the purchase of securitization

positions (Originating Institutions)26 - C 0




Table II.2

(Million Pesos)

IdentifierRegulatory concepts considered for the calculation of Net Capital

components

Reference of the

format for the

disclosure of

capital

integration of

section I hereof


notes of the table

Regulatory concepts

considered for the


components






derived from the



Table II.2

(Million Pesos)

48 Repealed 0







6


subtracted; considering those amounts acquired through investments in securities indexes and the

amount corresponding to investments in investment funds other than those provided by reference

18.

7

Investments in shares in corporations other than financial entities referred to by item f) of fraction I

of Article 2 Bis 6 hereof, that are in turn, directly or indirectly shareholders of the Institution itself, of

the financial group's holding company, of the remaining financial entities that comprise the group to

which the Institution belongs or financial affiliates of the latter, considering those investments

corresponding to investment funds other than those provided by reference 18.

8



thereof.

9



thereof.

10



thereof.

11

Indirect investments in financial entities capital referred to by Article 89 of the Law and 12 and 8 of


thereof.


13



requirement by credit risk; and the positive difference of the Aggregate Admissible Reserves minus

the Aggregate the Expected Losses, up to an amount that does not exceed of 0.6 per cent of the

weighted assets by credit risk, corresponding to Transactions where the method based in internal

qualifications is used to calculate the capital requirement by credit risk.



15



Qualification assigned by any of the issuer's Qualifying Institutions, equal or greater than long term

Risk Degree 2.

16

Investments in shares of corporations related with the Institution under the terms of Articles 73, 73

Bis and 73 Bis 1 of the Law, including the amount corresponding to investments in investment

corporations and investments in indices pursuant to the provisions of fraction I item g) of Article 2

Bis 6 hereof.

17Investments made in development banking institutions in risk capital, pursuant to the provisions of

fraction I item h) of Article 2 Bis 6 hereof.

18





19



Institution belongs or the latter's financial affiliates, pursuant to the provisions of fraction I item l) of






23



executed in the stock market, unless the share in such corporations or trusts in the former pursuant

to item f) fraction I of Article 2 Bis 6.





defined benefits.

27Owed differed taxes originated from temporary differences related to the pension plan for defined

benefits.

28Owed differed profit taxes originated from temporary differences other than those of references 24,

25, 27 and 33


30Amount of subordinated obligations subject to transience that are computed as Non-Fundamental

Capital.




early payments.




reasonable value.


Table II.3





capitalized cost.






hereof.

45



previously registered in its balance, pursuant to the provisions of fraction I item c) of Article 2 Bis 6

hereof.

46Transactions that infringe the provisions, pursuant to the provisions of fraction I item m) of Article 2

Bis 6 hereof.

47The aggregate amount of Transactions Subject to Credit Risk owed by Relevant Related Persons

pursuant to fraction I item r) of Article 2 Bis 6 hereof.


Transactions in national currency with nominal rate 16,404 1,312

Transactions with debt instruments in national currency with

surtax and reviewable rate0 0

Transactions in national currency with real rate or

denominated in UDIs2,096 168

Transactions in national currency with yield rate referred to

the increase of the General Minimum Wage231 19


Positions in national currency with yield rate referred to the

increase of the General Minimum Wage10 1

Transactions in foreign currency with nominal rate 93 7

Positions in foreign currency or with yield indexed to the

exchange rate92 7

Positions in shares or with yield indexed to the price of one

share or set of shares0 0


Impact Capital requirement for Gamma and Vega 0 0

Table III.1


(Million Pesos)


assets

Capital

Requeriments


























































Group VII-B weighted at 50%) 0 0

Group VII-B weighted at 57.5%) 0 0







Group VIII (weighted at 115%) 632 51





Group X (weighted at 1250%) 0 0



Credit Valuation Adjustment on Derivative Operations 0 0





Re-securitization with Risk Degree 4, o 5 or Not qualified (weighted at 1250%) 0 0






Table III.2


(Million Pesos)


STANDARD ALTERNATIVE METHOD 1,694 136

Average of annual


the last 36 months

1,378


months

Table III.3


(Million Pesos)






















Yields / Dividends






















Table IV.1











8 Amount acknowledge of regulatory capital $50,000.00












Yields / Dividends






















Table IV.1.2


Santander Consumo S.A. de C.V. SOFOM, E.R.












8 Goodwill (net of its corresponding deferred profit taxes debited) 0

9 Other intangibles other than rights to mortgage rights (net of its corresponding deferred profit taxes debited) 0


taxes debited)0








18



threshold)

0

19



the 10% threshold)

0


21 Deferred taxes assets resulting from temporary differences (amount exceeding the 10% threshold, net of deferred taxes debited) 3,225










E of which: investments in related corporations 0





J of which: Deferred charges and installments 104








28 Total regulation adjustments to level 1 Common Capital 3,328



30 Instruments directly issued that qualify as level 1 additional capital, plus premium 0

31 of which: Qualify as capital under the applicable accounting criteria 0






36 Level 1 additional capital before regulation adjustments 0











44 Level 1 additional capital (AT1) 0


Table I.1

(Million Pesos)



Table I.1

(Million Pesos)



46 Instruments directly issued that qualify as level 2 capital, plus premium 0





50 Reserves 0

51 Level 2 capital before regulation adjustments 0




54



threshold)





58 Level 2 capital (T2) 0

59 Total stock (TC = T1 + T2) 15,410




















75 Deferred profit taxes credited derived from temporary differences (net of Deferred profit taxes debited) 5,088



limit)














3

Capital reserves, net result, result per assessment of titles available for sale, accrued effect per conversion, result per assessment of cash flow,

result from non-monetary assets holding, and the measuring balance from defined benefits to the employees considering on each concept its

updates.

4Does not apply. The capital stock of credit institutions in Mexico is represented by representative certificates or shares. This concept only applies

for entities where such capital is represented by representative certificates or shares.


consolidated scope.








legal framework for the reinforcement of banks and banking systems" published on June 2011, given that it does not allow to set off with owed

differed profit taxes.




legal framework for the reinforcement of banks and banking systems" published on June 2011, given that deducts from level 1 common stock the

preventive reserves pending constitution, according to the provisions of Chapter V of the Second Title hereof, as well as those constituted

charged to accounting accounts that are part of the result entries or shareholders' equity and not only the positive difference between the

Aggregate Expected Losses minus the Aggregate Admissible Reserves, in the event the Institutions use methods based in internal qualifications

in the determination of their capital requirements.


14 Does not apply

15

Investments made by the benefit pension fund defined corresponding to resources to which the Institution does not have unrestrictive or unlimited

access. These investments are considered as net of the plan's liabilities and owed differed taxes to profit that correspond that have not been

applied in any other regulatory adjustment.


provisions of section I subsection d) of Article 2 Bis 6 of these provisions ; through rates predicted values of section I subsection e ) of Section 2

Bis 6 of these provisions and through investment in funds established in section I point i) of article 2 bis 6.

This treatment is more conservative than the one established by the Committee on Banking Basel Supervision in its document " Basel III : A

global regulatory framework for more resilient banks and banking systems " published in June 2011 because the deduction for this concept is

made of common equity tier 1 capital , regardless of the level of capital which has been invested

Investments, in capital of corporations, other than financial entities referred to by item f) of Article 2 Bis 6 hereof, that are in turn, directly or

indirectly, shareholders of the institution itself, of the fund



made in the level 1 common stock, irrespective of the capital level where it has been invested, and in addition because any type of entity is

considered, not only financial entities.


31 of the Law Regulating Financial Groups pursuant to the provisions of fraction I item f) of Article 2 Bis 6 hereof, including those investments

made through investment funds referred to by fraction I item i) of Article 2 Bis 6. The previous investments exclude those made in the capital of

development and promotion multilateral organizations of an international nature that have a credit Qualification assigned by any of the issuer's

Qualifying Institutions, equal or greater than long term Risk Degree 2.



made in level 1 common stock, irrespective of the capital level in which it is invested, and additionally because it is deducted from the aggregate

amount registered of the investments.

Table I.2


18*

10*

12*

16*

17*



Table I.2



31 of the Law Regulating Financial Groups pursuant to the provisions of fraction I fraction f) of Article 2 Bis 6 hereof, including those investments

made through investment funds referred to by fraction I item i) of Article 2 Bis 6. The previous investments exclude those made in development

and promotion multilateral organizations of an international nature that have a credit Qualification assigned by any of the issuer's Qualifying

institutions, equal or greater than long term Risk Degree 2.



made from level 1 common stock, irrespective of the level of capital where it has been investment, and additionally because the aggregate

amount registered of investments is deducted.



regulatory framework for the reinforcement of banks and banking systems" published on June 2011 given that the aggregate amount registered of

rights is deducted.

21Deferred taxes assets resulting from temporary differences minus the corresponding owed differed profit taxes not considered to set-off other

adjustments, exceeding 10% of the difference between the reference 6 and the sum of references 7 through 20.






A.

The sum of the accrued effect for conversion and result for ownership of non-monetary assets considering the amount of each of these concepts

with a sign different than the one considered to include them in reference 3, namely, if positive in this concept shall be entered as negatives and

vice versa.


C.The amount resulting if on account of the purchase of securitization positions, the originating Institutions register a profit or increase in the value of

their assets with respect to the assets previously registered in its balance, pursuant to the provisions of fraction I item c) of Article 2 Bis 6 hereof.

D.

Investments in capital of development or promotion multilateral organizations of an international nature pursuant to the provisions of fraction I item

f) of Article 2 Bis 6 hereof, that have a credit Qualification assigned by any of the issuer's Qualifying Institutions, equal or better to long term Risk

Degree 2.

E.Investments in shares or corporations related to the Institution under the terms of Articles 73, 73 Bis and 73 Bis 1 of the Law, including the amount

corresponding to investments in investment funds and investments indices pursuant to the provisions of fraction I item g) of Article 2 Bis 6 hereof.

F. Investments made by development banking institutions in risk capital, pursuant to the provisions of fraction I item h) of Article 2 Bis 6 hereof.

G.

Investments in shares, other than fix capital, in listed investment funds wherein the Institutions holds more than 15 per cent of shareholder's

equity of the aforementioned investment funds, pursuant to fraction I item i) of Article 2 Bis 6, that have not been considered in the preceding

references.

H.

Any type of contribution which resources are destined to the purchase of shares in the financial group's holding company, of the other financial

entities that comprise the group to which the Institution belongs or of the financial affiliates of the latter pursuant to the provisions of fraction I item

l) of Article 2 Bis 6 hereof.


J. Differed charges and early payments, net of owed differed profit taxes, pursuant to the provisions of fraction I item n) of Article 2 Bis 6 hereof.

K.Positions pertaining to the First Losses Scheme where the risk is preserved or credit protection is provided up to a certain limit of a position

pursuant to fraction I item o) of Article 2 Bis 6.


M.The added amount of Transactions Subject to Credit Risk owed by Relevant Related Persons pursuant to fraction I item r) of Article 2 Bis 6

hereof.


O.Adjustment for the acknowledgment of Net Capital . The amount shown corresponds to the amount registered in box C1 of the form included in

section II hereof.

P.

The investments or contributions, directly or indirectly, in the corporation's capital or in the trust estate or other type of similar figures that have the

purpose to set off and liquidate Transactions executed in the stock market, except for such corporation's or trust's share in the former pursuant to

item f) fraction I of Article 2 Bis 6.

27Does not apply. There are no regulatory adjustments for additional level 1 capital nor for ancillary capital. All regulatory adjustments are made

from the level 1 common stock.


20*

19*



Table I.2



30The amount corresponding to titles representing the capital stock (including its share sale premium) that had not been considered in Fundamental

Capital and Capital Instruments, that meet the conditions established in fraction II of Article 2 Bis 6 hereof.


32Does not apply. Instruments directly issued that qualify as additional level 1 capital, plus its premium are registered for accounting purposes as

capital.

33Subordinated obligations computed as Non-Fundamental Capital, pursuant to the provisions of Article Third Transitory of Resolution 50th that

amends the general provisions applicable to Credit Institutions, (Resolution 50th)










section II hereof.

42 Does not apply. There are no regulatory adjustments for ancillary capital. All regulatory adjustments are made from the level 1 common stock.




46

The amount corresponding to titles representing the capital stock (including its share sale premium) that had not been considered in Capital

Fundamental nor in Non-Fundamental Capital and Capital Instruments, that comply with Exhibit 1-S hereof pursuant to the provisions of Article 2

Bis 7 hereof.




50

Preventive estimations for credit risk up to a sum of 1.25% of the assets weighed by credit risk corresponding to the Transactions that use the

Standard Method to calculate the capital requirement per credit risk; and the positive difference of the Aggregate Admissible Reserves minus the

Aggregate Expected Losses, up to an amount that does not exceed of 0.6 per cent of the assets weighed by credit risk, corresponding to the

Transactions wherein the method based in internal qualifications to calculate the capital requirements by credit risk is used, pursuant to fraction III

of Article 2 Bis 7.








section II hereof.









65 Report 2.5%


67The SCCS amount on line 64 (expressed as a percentage of the total risk weighted assets) which is related to the banking institutions’ capital

buffer for systemic character, in accordance with section b), subsection III, article 2 Bis 5.

68 Line 61 minus 7%










56



Table I.2


75The amount, that does not exceed 10% of the difference between reference 6 and the sum of references 7 through 20, of the credited differed

taxes assets resulting from temporary differences minus those corresponding to owed profit taxes not considered to set off other adjustments.

76Preventive estimations for credit risk corresponding to the Transactions that use the Standard Method to calculate the capital requirement per

credit risk.

771.25% of weighed assets per credit risk, corresponding to Transactions wherein the Standard Method to calculate the capital requirement by

credit risk.

78Positive difference of the Aggregate Admissible Reserves minus the Aggregate Expected Losses corresponding to Transactions wherein the

method based in internal qualifications to calculate the capital requirement by credit risk is used.

790.6 per cent of the weighted assets by credit risk, corresponding to Transactions wherein the method based in internal qualifications to calculate

the capital requirement by credit risk is used.





84 Balance of instruments computed as capital in the complementary portion by December 31, 2012 for the corresponding balance limit therein.


Reference of

the balance

sheet items

Balance sheet items

Amount shown

in the balance

sheet

Assets 76,328

BG1 Funds Available 15

BG2 Margin accounts 0

BG3 Investment in securities 3

BG4 Debtors under sale and repurchase agreements 0


BG6 Derivatives 0



BG9 Benefits to be received in securitization transactions 0

BG10 Other receivables (net) 1,262


BG12 Property, furniture and fixtures (net) 0

BG13 Long-term investment in shares 0


BG15 Deferred income taxes (net) 5,088

BG16 Other assets (net) 133

Liabilities 57,590

BG17 Deposits 0


BG19 Creditors under sale and repurchase agreements 0


BG21 Collateral sold or pledged as guarantee 0

BG22 Derivatives 0

BG23 Valuation adjustment for hedged financial liabilities 0


BG25 Other payables, deferred revenues and other advances 3,788

BG26 Subordinated debentures outstanding 0






Memorandum accounts 211,565



BG33 Credit commitments 90,731

BG34 Assets in trust or mandate 0


BG36 Assets in custody or under administration 0

BG37 Collateral received by the entity 0

BG38 Collateral received and sold or pledged as guarantee 0



BG41 Other accounts 120,641

Table II.1


(Million Pesos)



Reference of the

format for the

disclosure of

capital

integration of

section I hereof


notes of the table

Regulatory concepts

considered for the


components






derived from the


Asset

1 Goodwill 8

2 Intangible assets 9

3Deferred income tax from tax losses carryforward and tax

credits10

4 Benefits to be received in securitization transactions 13

5Defined benefit pension plan assets with no restriction and

unlimited access15

6 Investment in own-equity securities 16

7 Reciprocal investments in common capital 17

8

Direct investments in the capital of financial entities wherein

the institution does not hold more than 10% of the issued

capital stock

18

9

Indirect investment in capital of financial entities wherein the

institution does not hold more than 10% of the issued capital

stock

18

10Direct investments in the capital of financial entities wherein

the institution holds more than 10% of the issued capital stock 19

11Indirect investment in capital of financial entities wherein the

institution holds more than 10% of the issued capital stock 19

12 Deferred income tax from temporary differences 21 3,225

BG15= 5,088 Minus: amount

computed as risk asset,

1,863

13 Reserves recognized as complementary capital 50 0



16 Investments in associated companies 26 - E 0




20 Deferred charges and advance payments 26 - J 104 BG16= 133 Minus: amount

computed as risk asset, 29




Liabilities



26Provision for defined benefit pension plan with no restrictiion

and unlimited access15 0




30Subordinated liabilities subject to transitoriness that compute

as basic capital 233 0


32Subordinated obligations subject to transitoriness that

compute as complementary capital47 0

33Deferred income tax related to deferred charges and

advance payments26 - J 0



35 Retained earnings 2 3,214BG30= 7,716 Minus: Other

items of earned capital 4,502


37 Other items of earned capital 3 4,502BG30= 7,716 Minus:

Retained earnings 3,214

38 Paid-in capital that meets with Exhibit 1-R 31 0

39 Paid-in capital that meets with Exhibit 1-S 46 0




Accounts in order



Table II.2

(Million Pesos)



Reference of the

format for the

disclosure of

capital

integration of

section I hereof


notes of the table

Regulatory concepts

considered for the


components






derived from the



Table II.2

(Million Pesos)



45Profit or increase of the value of assets from the purchase of

securitization positions (Originating Institutions)26 - C 0



48 Repealed 0







6


subtracted; considering those amounts acquired through investments in securities indexes and

the amount corresponding to investments in investment funds other than those provided by

reference 18.

7

Investments in shares in corporations other than financial entities referred to by item f) of fraction I

of Article 2 Bis 6 hereof, that are in turn, directly or indirectly shareholders of the Institution itself,

of the financial group's holding company, of the remaining financial entities that comprise the

group to which the Institution belongs or financial affiliates of the latter, considering those

investments corresponding to investment funds other than those provided by reference 18.

8



thereof.

9



thereof.

10



thereof.

11

Indirect investments in financial entities capital referred to by Article 89 of the Law and 12 and 8 of


thereof.


13



requirement by credit risk; and the positive difference of the Aggregate Admissible Reserves

minus the Aggregate the Expected Losses, up to an amount that does not exceed of 0.6 per cent

of the weighted assets by credit risk, corresponding to Transactions where the method based in

internal qualifications is used to calculate the capital requirement by credit risk.



15



Qualification assigned by any of the issuer's Qualifying Institutions, equal or greater than long term

Risk Degree 2.

16

Investments in shares of corporations related with the Institution under the terms of Articles 73, 73

Bis and 73 Bis 1 of the Law, including the amount corresponding to investments in investment

corporations and investments in indices pursuant to the provisions of fraction I item g) of Article 2

Bis 6 hereof.

17Investments made in development banking institutions in risk capital, pursuant to the provisions of

fraction I item h) of Article 2 Bis 6 hereof.

18





19



Institution belongs or the latter's financial affiliates, pursuant to the provisions of fraction I item l) of






23



executed in the stock market, unless the share in such corporations or trusts in the former






defined benefits.

27Owed differed taxes originated from temporary differences related to the pension plan for defined

benefits.

28Owed differed profit taxes originated from temporary differences other than those of references

24, 25, 27 and 33


30Amount of subordinated obligations subject to transience that are computed as Non-Fundamental

Capital.




early payments.




reasonable value.


Table II.3





capitalized cost.






hereof.

45



previously registered in its balance, pursuant to the provisions of fraction I item c) of Article 2 Bis

6 hereof.

46Transactions that infringe the provisions, pursuant to the provisions of fraction I item m) of Article

2 Bis 6 hereof.

47The aggregate amount of Transactions Subject to Credit Risk owed by Relevant Related Persons

pursuant to fraction I item r) of Article 2 Bis 6 hereof.


Transactions in national currency with nominal rate 2,249 180

Transactions with debt instruments in national currency with surtax and

reviewable rate0 0

Transactions in national currency with real rate or denominated in UDIs 0 0

Transactions in national currency with yield rate referred to the increase of the

General Minimum Wage0 0


Positions in national currency with yield rate referred to the increase of the

General Minimum Wage0 0

Transactions in foreign currency with nominal rate 0 0

Positions in foreign currency or with yield indexed to the exchange rate 0 0

Positions in shares or with yield indexed to the price of one share or set of shares 0 0


Impact Capital requirement for Gamma and Vega 0 0

Table III.1


(Million Pesos)


assets

Capital

requeriments


























































Group VII-B weighted at 50%) 0 0

Group VII-B weighted at 57.5%) 0 0












Group X (weighted at 1250%) 0 0


Other Assets (weighted at 100%) 1,893 151

Credit Valuation Adjustment on Derivative Operations 0 0





Re-securitization with Risk Degree 4, o 5 or Not qualified (weighted at 1250%) 0 0






Table III.2


(Million Pesos)


STANDARD ALTERNATIVE METHOD 4,015 321

Average of annual


the last 36 months

16,887


months

Table III.3


(Million Pesos)










8 Amount acknowledge of regulatory capital $50,000.00












Yields / Dividends






















Table IV.1























Yields / Dividends






















Table IV.1.2


Santander Inclusión Financiera S.A. de C.V. SOFOM, E.R.


(Only available in Spanish)

Referencia Capital Descripción Monto

Capital Común de Nivel 1 (CET 1):Instrumentos y Reservas

1 Acciones ordinarias que califican para capital común de nivel 1 más su prima correspondiente 470

2 Resultados de ejercicios anteriores (115)

3 Otros elementos de la utilidad integral (y otras reservas) (93)

4

Capital sujeto a eliminación gradual del capital común de nivel 1

(solo aplicable para compañías que no estén vinculadas a acciones)

5 Acciones ordinarias emitidas por subsidiarias en tenencia de terceros (monto permitido en el capital común de nivel 1)

6 Capital común de nivel 1 antes de ajustes regulatorios 262

Capital común de nivel 1: ajustes regulatorios

7 Ajustes por valuación prudencial

8

Crédito mercantil

(neto de sus correspondientes impuestos a la utilidad diferidos a cargo) 0

9

Otros intangibles diferentes a los derechos por servicios hipotecarios (neto de sus correspondientes impuestos a la

utilidad diferidos a cargo) 0

10

(conservador)

Impuestos a la utilidad diferidos a favor que dependen de ganancias futuras excluyendo aquellos que se derivan de

diferencias temporales (netos de impuestos a la utilidad diferidos a cargo) 0

11 Resultado por valuación de instrumentos de cobertura de flujos de efectivo 0

12 Reservas pendientes de constituir 0

13 Beneficios sobre el remanente en operaciones de bursatilización 0

14

Pérdidas y ganancias ocasionadas por cambios en la calificación crediticia propia sobre los pasivos valuados a valor

razonable

15 Plan de pensiones por beneficios definidos 0

16

(conservador) Inversiones en acciones propias 0

17

(conservador) Inversiones recíprocas en el capital ordinario 0

18

(conservador)

Inversiones en el capital de bancos, instituciones financieras y aseguradoras fuera del alcance de la consolidación

regulatoria, netas de las posiciones cortas elegibles, donde la Institución no posea más del 10% del capital social emitido

(monto que excede el umbral del 10%) 0

19

(conservador)

Inversiones significativas en acciones ordinarias de bancos, instituciones financieras y aseguradoras fuera del alcance de

la consolidación regulatoria, netas de las posiciones cortas elegibles, donde la Institución posea más del 10% del capital

social emitido (monto que excede el umbral del 10%) 0

20

(conservador) Derechos por servicios hipotecarios (monto que excede el umbral del 10%) 0

21

Impuestos a la utilidad diferidos a favor provenientes de diferencias temporales (monto que excede el umbral del 10%,

neto de impuestos diferidos a cargo)

22 Monto que excede el umbral del 15%

23

del cual: Inversiones significativas donde la institución posee mas del 10% en acciones comunes de instituciones

financieras

24 del cual: Derechos por servicios hipotecarios

25 del cual: Impuestos a la utilidad diferidos a favor derivados de diferencias temporales

26 Ajustes regulatorios nacionales 0

A del cual: Otros elementos de la utilidad integral (y otras reservas) 0

B del cual: Inversiones en deuda subordinada 0

C

del cual: Utilidad o incremento el valor de los activos por adquisición de posiciones de bursatilizaciones (Instituciones

Originadoras) 0

D del cual: Inversiones en organismos multilaterales 0

E del cual: Inversiones en empresas relacionadas 0

F del cual: Inversiones en capital de riesgo 0

G del cual: Inversiones en fondos de inversión 0

H del cual: Financiamiento para la adquisición de acciones propias 0

I del cual: Operaciones que contravengan las disposiciones 0

J del cual: Cargos diferidos y pagos anticipados 0

K del cual: Posiciones en Esquemas de Primeras Pérdidas 0

L del cual: Participación de los Trabajadores en las Utilidades Diferidas 0

M del cual: Personas Relacionadas Relevantes 0

N del cual: Plan de pensiones por beneficios definidos 0

O Se Deroga 0

P del cual: Inversiones en camaras de compensación 0

27

Ajustes regulatorios que se aplican al capital común de nivel 1 debido a la insuficiencia de capital adicional de nivel 1 y al

capital de nivel 2 para cubrir deducciones 0

28 Ajustes regulatorios totales al capital común de nivel 1 0

29 Capital común de nivel 1 (CET1) 262

Capital adicional de nivel 1: instrumentos

30 Instrumentos emitidos directamente que califican como capital adicional de nivel 1, más su prima 0

31 de los cuales: Clasificados como capital bajo los criterios contables aplicables 0

32 de los cuales: Clasifcados como pasivo bajo los criterios contables aplicables

33 Instrumentos de capital emitidos directamente sujetos a eliminación gradual del capital adicional de nivel 1 0

34

Instrumentos emitidos de capital adicional de nivel 1 e instrumentos de capital común de nivel 1 que no se incluyen en el

renglón 5 que fueron emitidos por subsidiarias en tenencia de terceros

(monto permitido en el nivel adicional 1) 0

35 del cual: Instrumentos emitidos por subsidiarias sujetos a eliminación gradual

36 Capital adicional de nivel 1 antes de ajustes regulatorios 0

Capital adicional de nivel 1: ajustes regulatorios

37

(conservador) Inversiones en instrumentos propios de capital adicional de nivel 1

(Cifras en millones de Pesos)

Tabla I.1

Formato de revelación de la integración de capital sin considerar transitoriedad en la aplicación de los ajustes regulatorios



Tabla I.1


38

(conservador) Inversiones en acciones recíprocas en instrumentos de capital adicional de nivel 1

39

(conservador)



(monto que excede el umbral del 10%)

40

(conservador)

Inversiones significativas en el capital de bancos, instituciones financieras y aseguradoras fuera del alcance de

consolidación regulatoria, netas de las posiciones cortas elegibles, donde la Institución posea más del 10% del capital

social emitido


42

Ajustes regulatorios aplicados al capital adicional de nivel 1 debido a la insuficiencia del capital de nivel 2 para cubrir

deducciones

43 Ajustes regulatorios totales al capital adicional de nivel 1 0

44 Capital adicional de nivel 1 (AT1) 0

45 Capital de nivel 1 (T1 = CET1 + AT1) 262

Capital de nivel 2: instrumentos y reservas

46 Instrumentos emitidos directamente que califican como capital de nivel 2, más su prima 0

47 Instrumentos de capital emitidos directamente sujetos a eliminación gradual del capital de nivel 2 0

48

Instrumentos de capital de nivel 2 e instrumentos de capital común de nivel 1 y capital adicional de nivel 1 que no se

hayan incluido en los renglones 5 o 34, los cuales hayan sido emitidos por subsidiarias en tenencia de terceros (monto

permitido en el capital complementario de nivel 2) 0

49 de los cuales: Instrumentos emitidos por subsidiarias sujetos a eliminación gradual 0

50 Reservas 0

51 Capital de nivel 2 antes de ajustes regulatorios 0

Capital de nivel 2: ajustes regulatorios

52

(conservador) Inversiones en instrumentos propios de capital de nivel 2

53

(conservador) Inversiones recíprocas en instrumentos de capital de nivel 2

54

(conservador)



(monto que excede el umbral del 10%)

55

(conservador)

Inversiones significativas en el capital de bancos, instituciones financieras y aseguradoras fuera del alcance de

consolidación regulatoria, netas de posiciones cortas elegibles, donde la Institución posea más del 10% del capital social

emitido


57 Ajustes regulatorios totales al capital de nivel 2 0

58 Capital de nivel 2 (T2) 0

59 Capital total (TC = T1 + T2) 262

60 Activos ponderados por riesgo totales 324

Razones de capital y suplementos

61

Capital Común de Nivel 1

(como porcentaje de los activos ponderados por riesgo totales) 81%

62

Capital de Nivel 1


63

Capital Total


64

Suplemento específico institucional (al menos deberá constar de: el requerimiento de capital común de nivel 1 más el

colchón de conservación de capital, más el colchón contracíclico, más el colchón D-SIB; expresado como porcentaje de

los activos ponderados por riesgo totales) 83%

65 del cual: Suplemento de conservación de capital 2.5%

66 del cual: Suplemento contracíclico bancario específico

67 del cual: Suplemento de bancos globales sistémicamente importantes (D-SIB)

68

Capital Común de Nivel 1 disponible para cubrir los suplementos (como porcentaje de los activos ponderados por riesgo

totales) 74%

Mínimos nacionales (en caso de ser diferentes a los de Basilea 3)

69

Razón mínima nacional de CET1

(si difiere del mínimo establecido por Basilea 3)

70

Razón mínima nacional de T1


71

Razón mínima nacional de TC


Cantidades por debajo de los umbrales para deducción (antes de la ponderación por riesgo)

72 Inversiones no significativas en el capital de otras instituciones financieras

73 Inversiones significativas en acciones comunes de instituciones financieras

74 Derechos por servicios hipotecarios (netos de impuestos a la utilidad diferidos a cargo)

75

Impuestos a la utilidad diferidos a favor derivados de diferencias temporales (netos de impuestos a la utilidad diferidos a

cargo)

Límites aplicables a la inclusión de reservas en el capital de nivel 2

76

(conservador)

Reservas elegibles para su inclusión en el capital de nivel 2 con respecto a las exposiciones sujetas a la metodología

estandarizada (previo a la aplicación del límite)

77

(conservador) Límite en la inclusión de provisiones en el capital de nivel 2 bajo la metodología estandarizada

78

Reservas elegibles para su inclusión en el capital de nivel 2 con respecto a las exposiciones sujetas a riesgos de crédito

(previo a la aplicación del límite)

79 Límite en la inclusión de reservas en el capital de nivel 2 bajo la metodología de calificaciones internas

Instrumentos de capital sujetos a eliminación gradual (aplicable únicamente entre el 1 de enero de 2018 y el 1 de

enero de 2022)

80 Límite actual de los instrumentos de CET1 sujetos a eliminación gradual



Tabla I.1


81 Monto excluído del CET1 debido al límite (exceso sobre el límite después de amortizaciones y vencimientos)

82 Límite actual de los instrumentos AT1 sujetos a eliminación gradual

83 Monto excluído del AT1 debido al límite (exceso sobre el límite después de amortizaciones y vencimientos)

84 Límite actual de los instrumentos T2 sujetos a eliminación gradual

85 Monto excluído del T2 debido al límite (exceso sobre el límite después de amortizaciones y vencimientos)

Referencia Descripción

1 Elementos del capital contribuido conforme a la fracción I inciso a) numerales 1) y 2) del Artículo 2 Bis 6 de las presentes disposiciones.

2 Resultados de ejercicios anteriores y sus correspondientes actualizaciones.

3

Reservas de capital, resultado neto, resultado por valuación de títulos disponibles para la venta, efecto acumulado por conversión, resultado

por valuación de instrumentos de cobertura de flujos de efectivo, resultado por tenencia de activos no monetarios, y el saldo de remediciones

por beneficios definidos a los empleados considerando en cada concepto sus actualizaciones.

4No aplica. El capital social de las instituciones de crédito en México está representado por títulos representativos o acciones. Este concepto

solo aplica para entidades donde dicho capital no esté representado por títulos representativos o acciones.

5No aplica para el ámbito de capitalización en México que es sobre una base no consolidada. Este concepto solo aplicaría para entidades

donde el ámbito de aplicación es consolidado.

6 Suma de los conceptos 1 a 5.

7 No aplica. En México no se permite el uso de modelos internos para el cálculo del requerimiento de capital por riesgo de mercado.

8Crédito mercantil, neto de sus impuestos a la utilidad diferidos a cargo conforme a lo establecido en la fracción I inciso n) del Artículo 2 Bis 6

de las presentes disposiciones.

9Intangibles, diferentes al crédito mercantil, y en su caso a los derechos por servicios hipotecario, netos de sus impuestos a la utilidad diferidos

a cargo, conforme a lo establecido en la fracción I inciso n) del Artículo 2 Bis 6 de las presentes disposiciones.

Impuestos a la utilidad diferidos a favor provenientes de pérdidas y créditos fiscales conforme a lo establecido en la fracción I inciso p) del

Artículo 2 Bis 6 de las presentes disposiciones.

Este tratamiento es más conservador que lo establecido por el Comité de Supervisión Bancaria de Basilea en su documento “Basilea III:

Marco regulador global para reforzar los bancos y sistemas bancarios” publicado en junio de 2011, ya que no permite compensar con los

impuestos a la utilida

11Resultado por valuación de instrumentos de cobertura de flujos de efectivo que corresponden a partidas cubiertas que no están valuadas a

valor razonable.

Reservas pendientes de constituir conforme a lo establecido en la fracción I inciso k) del Artículo 2 Bis 6 de las presentes disposiciones.

Este tratamiento es más conservador que lo establecido por el Comité de Supervisión Bancaria de Basilea en su documento “Basilea III:

Marco regulador global para reforzar los bancos y sistemas bancarios” publicado en junio de 2011, ya que deduce del capital común de nivel 1

las reservas preventivas pendientes de constituirse, de acuerdo con lo dispuesto en el Capítulo V del Título Segundo de las presentes

disposiciones, así como aquéllas constituidas con cargo a cuentas contables que no formen parte de las partidas de resultados o del capital

contable y no sólo la diferencia positiva entre las Pérdidas Esperadas Totales menos las Reservas Admisibles Totales, en el caso de que las

Instituciones utilicen métodos basados en calificaciones internas en la determinación de sus requerimientos de capital.

13Beneficios sobre el remanente en operaciones de bursatilización conforme a lo establecido en la fracción I inciso c) del Artículo 2 Bis 6 de las

presentes disposiciones.

14 No aplica.

15

Inversiones realizadas por el fondo de pensiones de beneficios definidos que corresponden a los recursos a los que la Institución no tiene

acceso irrestricto e ilimitado. Estas inversiones se considerarán netas de los pasivos del plan y de los impuestos a la utilidad diferidos a cargo

que correspondan que no hayan sido aplicados en algún otro ajuste regulatorio.

El monto de la inversión en cualquier acción propia que la Institución adquiera: de conformidad con lo previsto en la Ley de acuerdo con lo

establecido en la fracción I inciso d) del Artículo 2 Bis 6 de las presentes disposiciones; a través de los índices de valores previstos por la

fracción I inciso e) del Artículo 2 Bis 6 de las presentes disposiciones, y a través de los fondos de inversión considerados en la fracción I inciso

i) del Artículo 2 Bis 6.

Este tratamiento es más conservador que el establecido por el Comité de Supervisión Bancaria de Basilea en su documento “Basilea III:

Marco regulador global para reforzar los bancos y sistemas bancarios” publicado en junio de 2011 debido a que la deducción por este

concepto se realiza del capital común de nivel 1, sin importar el nivel de capital en el que se haya invertido.

Inversiones, en capital de sociedades, distintas a las entidades financieras a que se refiere el inciso f) del Artículo 2 Bis 6 de las presentes

disposiciones, que sean a su vez, directa o indirectamente accionistas de la propia Institución, de la sociedad controladora del grupo

financiero, de las demás entidades financieras integrantes del grupo al que pertenezca la Institución o de las filiales financieras de éstas de

conformidad con lo establecido en la fracción I inciso j) del Artículo 2 Bis 6 de las presentes disposiciones, incluyendo aquellas inversiones

correspondientes a fondos de inversión considerados en la fracción I inciso i) del Artículo 2 Bis 6.

Este tratamiento es más conservador que el establecido por el Comité de Supervisión Bancaria de Basilea en su documento "Basilea III:

Marco regulador global para reforzar los bancos y sistemas bancarios" publicado en junio de 2011 debido a que la deducción por este

concepto se realiza del capital común de nivel 1, sin importar el nivel de capital en el que se haya invertido, y adicionalmente porque se

considera a cualquier tipo de entidad, no solo entidades financieras.

Inversiones en acciones, donde la Institución posea hasta el 10% del capital social de entidades financieras a que se refieren los Artículos 89

de la Ley y 31 de la Ley para Regular las Agrupaciones Financieras conforme a lo establecido a la fracción I inciso f) del Artículo 2 Bis 6 de las

presentes disposiciones, incluyendo aquellas inversiones realizadas a través de los fondos de inversión a los que se refiere la fracción I inciso

i) del Artículo 2 Bis 6. Las inversiones anteriores excluyen aquellas que se realicen en el capital de organismos multilaterales de desarrollo o

de fomento de carácter internacional que cuenten con Calificación crediticia asignada por alguna de las Instituciones Calificadoras al emisor,

igual o mejor al Grado de Riesgo 2 a largo plazo.



concepto se realiza del capital común de nivel 1, sin importar el nivel de capital en el que se haya invertido, y adicionalmente porque se deduce

el monto total registrado de las inversiones.

Inversiones en acciones, donde la Institución posea más del 10% del capital social de las entidades financieras a que se refieren los Artículos

89 de la Ley y 31 de la Ley para Regular las Agrupaciones Financieras conforme a lo establecido a la fracción I inciso f) del Artículo 2 Bis 6 de

las presentes disposiciones, incluyendo aquellas inversiones realizadas a través de los fondos de inversión a los que se refiere la fracción I

inciso i) del Artículo 2 Bis 6. Las inversiones anteriores excluyen aquellas que se realicen en el capital de organismos multilaterales de

desarrollo o de fomento de carácter internacional que cuenten con Calificación crediticia asignada por alguna de las Instituciones Calificadoras

al emisor, igual o mejor al Grado de Riesgo 2 a largo plazo.



concepto se realiza del capital común de nivel 1, sin importar el nivel de capital en el que se haya invertido, y adicionalmente porque se deduce

el monto total registrado de las inversiones.

Los derechos por servicios hipotecarios se deducirán por el monto total registrado en caso de existir estos derechos.

Notas al formato de revelación de la integración de capital sin considerar transitoriedad en la aplicación de los ajustes regulatorios

Tabla I.2

10*

12*

17*

16*

18*

19*

20*




Tabla I.2


Marco regulador global para reforzar los bancos y sistemas bancarios” publicado en junio de 2011 debido a que se deduce el monto total

registrado de los derechos.

21

El monto de impuestos a la utilidad diferidos a favor provenientes de diferencias temporales menos los correspondientes impuestos a la

utilidad diferidos a cargo no considerados para compensar otros ajustes, que exceda el 10% de la diferencia entre la referencia 6 y la suma de

las referencias 7 a 20.

22 No aplica. Los conceptos fueron deducidos del capital en su totalidad. Ver las notas de las referencias 19, 20 y 21.

23 No aplica. El concepto fue deducido del capital en su totalidad. Ver la nota de la referencia 19.



Ajustes nacionales considerados como la suma de los siguientes conceptos.

A. La suma del efecto acumulado por conversión y el resultado por tenencia de activos no monetarios considerando el monto de cada uno de

estos conceptos con signo contrario al que se consideró para incluirlos en la referencia 3, es decir si son positivos en este concepto entrarán

como negativos y viceversa.

B. Inversiones en instrumentos de deuda subordinada, conforme a lo establecido en la fracción I inciso b) del Artículo 2 Bis 6 de las presentes

disposiciones.

C. El monto que resulte si con motivo de la adquisición de posiciones de bursatilización, las Instituciones originadoras registran una utilidad o

un incremento en el valor de sus activos respecto de los activos anteriormente registrados en su balance, conforme a lo establecido en la

fracción I inciso c) del Artículo 2 Bis 6 de las presentes disposiciones.

D. Inversiones en el capital de organismos multilaterales de desarrollo o de fomento de carácter internacional conforme a lo establecido en la

fracción I inciso f) del Artículo 2 Bis 6 de las presentes disposiciones que cuenten con Calificación crediticia asignada por alguna de las

Instituciones Calificadoras al emisor, igual o mejor al Grado de Riesgo 2 a largo plazo.

E. Inversiones en acciones de empresas relacionadas con la Institución en los términos de los Artículos 73, 73 Bis y 73 Bis 1 de la Ley,

incluyendo el monto correspondiente de las inversiones en fondos de inversión y las inversiones en índices conforme a lo establecido en la

fracción I inciso g) del Artículo 2 Bis 6 de las presentes disposiciones.

F. Inversiones que realicen las instituciones de banca de desarrollo en capital de riesgo, conforme a lo establecido en la fracción I inciso h) del

Artículo 2 Bis 6 de las presentes disposiciones.

G. Las inversiones en acciones, distintas del capital fijo, de fondos de inversión cotizadas en las que la Institución mantenga más del 15 por

ciento del capital contable del citado fondo de inversión, conforme a la fracción I inciso i) del Artículo 2 Bis 6, que no hayan sido consideradas

en las referencias anteriores.

H. Cualquier tipo de aportación cuyos recursos se destinen a la adquisición de acciones de la sociedad controladora del grupo financiero, de

las demás entidades financieras integrantes del grupo al que pertenezca la Institución o de las filiales financieras de éstas conforme a lo

establecido en la fracción I inciso l) del Artículo 2 Bis 6 de las presentes disposiciones.

I. Operaciones que contravengan las disposiciones, conforme a lo establecido en la fracción I inciso m) del Artículo 2 Bis 6 de las presentes

disposiciones.

J. Cargos diferidos y pagos anticipados, netos de sus impuestos a la utilidad diferidos a cargo, conforme a lo establecido en la fracción I inciso

n) del Artículo 2 Bis 6 de las presentes disposiciones.

K. Posiciones relacionadas con el Esquema de Primeras Pérdidas en los que se conserva el riesgo o se proporciona protección crediticia

hasta cierto límite de una posición conforme a la fracción I inciso o) del Artículo 2 Bis 6.

L. La participación de los trabajadores en las utilidades diferidas a favor conforme a la fracción I inciso p) del Artículo 2 Bis 6 de las presentes

disposiciones.

M. El monto agregado de las Operaciones Sujetas a Riesgo de Crédito a cargo de Personas Relacionadas Relevantes conforme a la fracción

I inciso r) del Artículo 2 Bis 6 de las presentes disposiciones.

N. La diferencia entre las inversiones realizadas por el fondo de pensiones de beneficios definidos conforme al Artículo 2 Bis 8 menos la

referencia 15.

O. Ajuste por reconocimiento del Capital Neto. El monto que se muestra corresponde al importe registrado en la celda C1 del formato incluido

en el apartado II de este anexo.

P. Las inversiones o aportaciones, directa o indirectamente, en el capital de empresas o en el patrimonio de fideicomisos u otro tipo de figuras

similares que tengan por finalidad compensar y liquidar Operaciones celebradas en bolsa, salvo la participación de dichas empresas o

fideicomisos en esta última de conformidad con el inciso f) fracción I del Artículo 2 Bis 6.

27No aplica. No existen ajustes regulatorios para el capital adicional de nivel 1 ni para el capital complementario. Todos los ajustes regulatorios

se realizan del capital común de nivel 1.

28 Suma de los renglones 7 a 22, más los renglones 26 y 27.

29 Renglón 6 menos el renglón 28.

30

El monto correspondiente de los títulos representativos del capital social (incluyendo su prima en venta de acciones) que no hayan sido

considerados en el Capital Fundamental y los Instrumentos de Capital, que satisfacen las condiciones establecidas en el Anexo 1-R de las

presentes disposiciones conforme a lo establecido en la fracción II del Artículo 2 Bis 6 de estas disposiciones.

31 Monto del renglón 30 clasificado como capital bajo los estándares contables aplicables.

32No aplica. Los instrumentos emitidos directamente que califican como capital adicional de nivel 1, más su prima se registran contablemente

como capital.

33Obligaciones subordinadas computables como Capital Básico No Fundamental, de conformidad con lo dispuesto en el Artículo Tercero

Transitorio de la Resolución 50a que modifica las disposiciones de carácter general aplicables a las instituciones de crédito, (Resolución 50a).

34 No aplica. Ver la nota de la referencia 5.


36 Suma de los renglones 30, 33 y 34.

37* No aplica. La deducción se realiza en su totalidad del capital común de nivel 1.




Ajustes nacionales considerados:

Ajuste por reconocimiento del Capital Neto. El monto que se muestra corresponde al importe registrado en la celda C2 del formato incluido en

el apartado II de este anexo.

42No aplica. No existen ajustes regulatorios para el capital complementario. Todos los ajustes regulatorios se realizan del capital común de nivel

1.

43 Suma de los renglones 37 a 42.

44 Renglón 36, menos el renglón 43.

45 Renglón 29, más el renglón 44.

26

41

20*




Tabla I.2

46

El monto correspondiente de los títulos representativos del capital social (incluyendo su prima en venta de acciones) que no hayan sido

considerados en el Capital Fundamental ni en el Capital Básico No Fundamental y los Instrumentos de Capital, que satisfacen el Anexo 1-S de

las presentes disposiciones conforme a lo establecido en el Artículo 2 Bis 7 de las presentes disposiciones.

47Obligaciones subordinadas computables como capital complementario, de conformidad con lo dispuesto en el Artículo Tercero Transitorio, de

la Resolución 50a.



50

Estimaciones preventivas para riesgo de crédito hasta por la suma del 1.25% de los activos ponderados por riesgo de crédito,

correspondientes a las Operaciones en las que se utilice el Método Estándar para calcular el requerimiento de capital por riesgo de crédito; y

la diferencia positiva de las Reservas Admisibles Totales menos las Pérdidas Esperadas Totales, hasta por un monto que no exceda del 0.6

por ciento de los activos ponderados por riesgo de crédito, correspondientes a las Operaciones en las que se utilice el método basado en

calificaciones internas para calcular el requerimiento de capital por riesgo de crédito, conforme a la fracción III del Artículo 2 Bis 7.

51 Suma de los renglones 46 a 48, más el renglón 50.





Ajustes nacionales considerados:

Ajuste por reconocimiento del Capital Neto. El monto que se muestra corresponde al importe registrado en la celda C4 del formato incluido en

el apartado II de este anexo.

57 Suma de los renglones 52 a 56.

58 Renglón 51, menos renglón 57.

59 Renglón 45, más renglón 58.

60 Activos Ponderados Sujetos a Riesgo Totales.

61 Renglón 29 dividido por el renglón 60 (expresado como porcentaje).



64 Reportar la suma de los porcentajes expresados en los renglones 61, 65, 66 y 67.

65 Reportar 2.5%

66

Porcentaje correspondiente al Suplemento de Capital Contracíclico al que se refiere el inciso c), fracción

III, del Artículo 2 Bis 5.

67La cantidad SCCS de la fila 64 (expresado como un porcentaje de los activos ponderados por riesgo) que se relaciona con el suplemento de

capital por carácter sistémico de la institución de banca múltiple, en los términos del inciso b), fracción III, del Artículo 2 Bis 5.

68 Renglón 61 menos 7%.

69No aplica. El mínimo es el mismo que establece el Comité de Supervisión Bancaria de Basilea en su documento “Basilea III: Marco regulador

global para reforzar los bancos y sistemas bancarios” publicado en junio de 2011.








75

El monto, que no exceda el 10% de la diferencia entre la referencia 6 y suma de las referencias 7 a 20, de impuestos a la utilidad diferidos a

favor provenientes de diferencias temporales menos los correspondientes impuestos a la utilidad diferidos a cargo no considerados para

compensar otros ajustes.

76Estimaciones preventivas para riesgo de crédito correspondientes a las Operaciones en las que se utilice el Método Estándar para calcular el

requerimiento de capital por riesgo de crédito.

771.25% de los activos ponderados por riesgo de crédito, correspondientes a las Operaciones en las que se utilice el Método Estándar para

calcular el requerimiento de capital por riesgo de crédito.

78Diferencia positiva de las Reservas Admisibles Totales menos las Pérdidas Esperadas Totales correspondientes a las Operaciones en las que

se utilice el método basado en calificaciones internas para calcular el requerimiento de capital por riesgo de crédito.

790.6 por ciento de los activos ponderados por riesgo de crédito, correspondientes a las Operaciones en las que se utilice el método basado en

calificaciones internas para calcular el requerimiento de capital por riesgo de crédito.

80 No aplica. No existen instrumentos sujetos a transitoriedad que computen en el capital común de nivel 1.

81 No aplica. No existen instrumentos sujetos a transitoriedad que computen en el capital común de nivel 1.

82Saldo de los instrumentos que computaban como capital en la parte básica al 31 de diciembre de 2012 por el correspondiente límite del saldo

de dichos instrumentos.

83 Saldo de los instrumentos que computaban como capital en la parte básica al 31 de diciembre de 2012 menos el renglón 33.

84Saldo de los instrumentos que computaban como capital en la parte complementaria al 31 de diciembre de 2012 por el correspondiente límite

del saldo de dichos instrumentos.

85 Saldo de los instrumentos que computaban como capital en la parte complementaria al 31 de diciembre de 2012 menos el renglón 47.

56

Referencia de los

rubros del

balance general

Rubros del balance Monto presentado en

balance general

Activo 347

BG1 Disponibles 62

BG2 Cuentas de margen 0

BG3 Inversiones en valores 0

BG4 Deudodres por reporto 0

BG5 Préstamo de valores 0

BG6 Derivados 0

BG7 Ajustes de valuación por cobertura de activos financieros 0

BG8 Total de cartera de crédito (neto) 128

BG9 Beneficios por recibir en operaciones de bursatilización 0

BG10 Otras cuentas por cobrar (neto) 57

BG11 Bienes adjudicados (neto) 0

BG12 Inmuebles, mobiliario y equipo (neto) 99

BG13 Inversiones permanentes 0

BG14 Activos de larga duración disponibles para la venta 0

BG15 Impuestos y PTU diferidos (neto) 0

BG16 Otros activos 1

Pasivo 85

BG17 Captación tradicional 0

BG18 Préstamos interbancarios y de otros organismos 0

BG19 Acreedores por reporto 0

BG20 Préstamo de valores 0

BG21 Colaterales vendidos o dados en garantía 0

BG22 Derivados 0

BG23 Ajustes de valuación por cobertura de pasivos financieros 0

BG24 Obligaciones en operaciones de bursatilización 0

BG25 Otras cuentas por pagar 85

BG26 Obligaciones subordinadas en circulación 0

BG27 Impuestos y PTU diferidos (neto) 0

BG28 Créditos diferidos y cobros anticipados 0

Capital Contable 262

BG29 Capital contribuido 470

BG30 Capital ganado (208)

Cuentas de orden 0

BG31 Avales otorgados 0

BG32 Activos y pasivos contingentes 0

BG33 Compromisos crediticios 0

BG34 Bienes en fideicomiso o mandato 0

BG35 Agente financiero del gobierno federal 0

BG36 Bienes en custodia o en administración 0

BG37 Colaterales recibidos por la entidad 0

BG38 Colaterales recibidos y vendidos o entregados en garantía por la entidad 0

BG39 Operaciones de banca de inversión por cuenta de terceros (neto) 0

BG40 Intereses devengados no cobrados derivados de cartera de crédito vencida 0

BG41 Otras cuentas de registro 0

Cifras del balance general


Tabla II.1

IdentificadorConceptos regulatorios considerados para el cálculo de los componentes del Capital

Neto

Referencia del formato

de revelación de la

integración de capital

del apartado I del

presente anexo

Monto de conformidad con

las notas a la tabla

Conceptos regulatorios

considerados para el

cálculo de los

componentes del Capital

Neto

Referencia(s) del rubro del

balance general y monto

relacionado con el concepto

regulatorio considerado para

el cálculo del Capital Neto

proveniente de la referencia

mencionada.

Activo

1 Crédito mercantil 8

2 Otros Intangibles 9

3 Impuesto a la utilidad diferida (a favor) proveniente de pérdidas y créditos fiscales 10

4 Beneficios sobre el remanente en operaciones de burzatilización 13

5 Inversiones del plan de pensiones por beneficios definidos sin acceso irrestricto e ilimitado 15

6 Inversiones en acciones de la propia institución 16

7 Inversiones recíprocas en el capital ordinario 17

8

Inversiones directas en el capital de entidades financieras donde la Institución no posea más

del 10% del capital social emitido 18

9

Inversiones indirectas en el capital de entidades financieras donde la Institución no posea más


10

Inversiones directas en el capital de entidades financieras donde la Institución posea más del

10% del capital social emitido 19

11

Inversiones indirectas en el capital de entidades financieras donde la Institución posea más


12 Impuesto a la utilidad diferida (a favor) proveniente de diferencias temporales 21

13 Reservas reconocidas como capital complementario 50

14 Inversiones en deuda subordinada 26 - B

15 Inversiones en organismos multilaterales 26 - D

16 Inversiones en empresas relacionadas 26 - E

17 Inversiones en capital de riesgo 26 - F

18 Inversiones en fondos de inversión 26 - G

19 Financiamiento para la adquisición de acciones propias 26 - H

20 Cargos diferidos y pagos anticipados 26 - J 0

21 Participación de los trabajadores en las utilidades diferida (neta) 26 - L

22 Inversiones del plan de pensiones por beneficios definidos 26 - N

23 Inversiones en cámaras de compensación 26 - P

Pasivo

24 Impuestos a la utilidad diferida (a cargo) asociados al crédito mercantil 8

25 Impuestos a la utilidad diferida (a cargo) asociados a otros intangibles 9

26 Pasivos del plan de pensiones por beneficios definidos sin acceso irrestricto e ilimitado 15

27

Impuestos a la utilidad diferida (a cargo) asociados al plan de pensiones por beneficios

definidos 15

28 Impuestos a la utilidad diferida (a cargo) asociados a otros distintos a los anteriores 21

29 Obligaciones subordinadas monto que cumple con el Anexo 1-R 31

30

Obligaciones subordinadas sujetas a transitoriedad que computan como Capital No

Fundamental 33

31 Obligaciones subordinadas monto que cumple con el Anexo 1-S 46

32

Obligaciones subordinadas sujetas a transitoriedad que computan como capital

complementario 47

33 Impuestos a la utilidad diferida (a cargo) asociados a cargos diferidos y pagos anticipados 26 - J

Capital contable

34 Capital contribuido que cumple con el Anexo 1-Q 1 470 BG29

35 Resultado de ejercicios anteriores 2 (114.94)

BG30= -92.663 Menos: otros

elementos del capital ganado -

207.61

36 Resultado por valuación de instrumentos para cobertura de flujo de efectivo 3

37 Otros elementos del capital ganado distintos a los anteriores 3 (207.61)

BG30= -92.663 Menos: otros

elementos del capital ganado

114.945

38 Capital contribuido que cumple con el Anexo 1-R 31

39 Capital contribuido que cumple con el Anexo 1-S 46

40

Resultado por valuación de instrumentos para cobertura de flujo de efectivo de partidas no

registradas a valor razonable 03, 11

41 Efecto acumulado por conversión 3, 26 - A

42 Resultado por tenencia de activos no monetarios 3, 26 - A

Cuentas de orden

43 Posiciones en Esquemas de Primeras Pérdidas 26 - K

Conceptos regulatorios no considerados en el balance general

44 Reservas pedientes de constituir 12

45

Utilidad o incremento al valor de los activos por adquisición de posiciones de bursatilizaciones

(Instituciones Originadoras) 26 - C

46 Operaciones que contravengan las disposiciones 26 - I

47 Operaciones con Personas Relacionadas Relevantes 26 - M

48 Derogado


Tabla II.2

Conceptos regulatorios considerados para el cálculo de los componentes del Capital Neto

Identificador Descripción

1 Crédito mercantil.

2 Intangibles, sin incluir al crédito mercantil.

3 Impuestos a la utilidad diferidos a favor provenientes de pérdidas y créditos fiscales.

4 Beneficios sobre el remanente en operaciones de bursatilización.

5 Inversiones del plan de pensiones por beneficios definidos sin acceso irrestricto e ilimitado.

6

Cualquier acción propia que la Institución adquiera de conformidad con lo previsto en la Ley, que no hayan sido restadas;

considerando aquellos montos adquiridos a través de las inversiones en índices de valores y el monto correspondiente a las

inversiones en fondos de inversión distintas a las previstas por la referencia 18

7

Inversiones en acciones de sociedades distintas a las entidades financieras a que se refiere el inciso f) de la fracción I del

Artículo 2 Bis 6 de las presentes disposiciones, que sean a su vez, directa o indirectamente accionistas de la propia

Institución, de la sociedad controladora del grupo financiero, de las demás entidades financieras integrantes del grupo al que

pertenezca la Institución o de las filiales financieras de éstas, considerando aquellas inversiones correspondientes a fondos

de inversión distintas a las previstas por la referencia 18.

8

Inversiones directas en el capital de las entidades financieras a que se refieren los Artículos 89 de la Ley y 12 y 81 de la Ley

para Regular las Agrupaciones Financieras, donde la Institución posea hasta el 10% del capital de dichas entidades.

9

Inversiones directas en el capital de las entidades financieras a que se refieren los Artículos 89 de la Ley y 12 y 81 de la Ley

para Regular las Agrupaciones Financieras, donde la Institución posea más del 10% del capital de dichas entidades.

10

Inversiones indirectas en el capital de las entidades financieras a que se refieren los Artículos 89 de la Ley y 12 y 81 de la Ley

para Regular las Agrupaciones Financieras, donde la Institución posea hasta el 10% del capital de dichas entidades.

11

Inversiones indirectas en el capital de las entidades financieras a que se refieren los Artículos 89 de la Ley y 12 y 81 de la Ley

para Regular las Agrupaciones Financieras, donde la Institución posea más del 10% del capital de dichas entidades.

12 Impuestos a la utilidad diferidos a favor provenientes de diferencias temporales.

13

Estimaciones preventivas para riesgo de crédito hasta por la suma del 1.25% de los activos ponderados por riesgo de crédito,

correspondientes a las Operaciones en las que se utilice el Método Estándar para calcular el requerimiento de capital por

riesgo de crédito; y la diferencia positiva de las Reservas Admisibles Totales menos las Pérdidas Esperadas Totales, hasta

por un monto que no exceda del 0.6 por ciento de los activos ponderados por riesgo de crédito, correspondientes a las

Operaciones en las que se utilice el método basado en calificaciones internas para calcular el requerimiento de capital por

riesgo de crédito.

14

Inversiones en instrumentos de deuda subordinada, conforme a lo establecido en la fracción I inciso b) del Artículo 2 Bis 6 de

las presentes disposiciones.

15

Inversiones en el capital de organismos multilaterales de desarrollo o de fomento de carácter internacional conforme a lo

establecido en la fracción I inciso f) del Artículo 2 Bis 6 de las presentes disposiciones que cuenten con Calificación crediticia

asignada por alguna de las Instituciones Calificadoras al emisor, igual o mejor al Grado de Riesgo 2 a largo plazo.

16

Inversiones en acciones de empresas relacionadas con la Institución en los términos de los Artículos 73, 73 Bis y 73 Bis 1 de

la Ley, incluyendo el monto correspondiente de las inversiones en fondos de inversión y las inversiones en índices conforme a

lo establecido en la fracción I inciso g) del Artículo 2 Bis 6 de las presentes disposiciones.

17

Inversiones que realicen las instituciones de banca de desarrollo en capital de riesgo, conforme a lo establecido en la fracción

I inciso h) del Artículo 2 Bis 6 de las presentes disposiciones.

18

Las inversiones en acciones, distintas del capital fijo, de fondos de inversión cotizadas en las que la Institución mantenga más

del 15 por ciento del capital contable del citado fondo de inversión, conforme a la fracción I inciso i) del Artículo 2 Bis 6, que

no hayan sido consideradas en las referencias anteriores.

19

Cualquier tipo de aportación cuyos recursos se destinen a la adquisición de acciones de la sociedad controladora del grupo

financiero, de las demás entidades financieras integrantes del grupo al que pertenezca la Institución o de las filiales

financieras de estas conforme a lo establecido en la fracción I incisos l) del Artículo 2 Bis 6 de las presentes disposiciones.

20 Cargos diferidos y pagos anticipados.

21

La participación de los trabajadores en las utilidades diferidas a favor conforme a la fracción I inciso p) del Artículo 2 Bis 6 de


22

Inversiones del plan de pensiones por beneficios definidos que tengan ser deducidas de acuerdo con el Artículo 2 Bis 8 de las

presentes disposiciones.

23

Las inversiones o aportaciones, directa o indirectamente, en el capital de empresas o en el patrimonio de fideicomisos u otro

tipo de figuras similares que tengan por finalidad compensar y liquidar Operaciones celebradas en bolsa, salvo la

participación de dichas empresas o fideicomisos en esta última de conformidad con el inciso f) fracción I del Artículo 2 Bis 6.

24 Impuestos a la utilidad diferidos a cargo provenientes de diferencias temporales asociados al crédito mercantil.

25

Impuestos a la utilidad diferidos a cargo provenientes de diferencias temporales asociados a otros intangibles (distintos al

crédito mercantil).

26

Pasivos del plan de pensiones por beneficios definidos asociados a inversiones del plan de pensiones por beneficios

definidos.

27

Impuestos a la utilidad diferidos a cargo provenientes de diferencias temporales asociados al plan de pensiones por

beneficios definidos.

28

Impuestos a la utilidad diferidos a cargo provenientes de diferencias temporales distintos los de las referencias 24, 25, 27 y

33.

29 Monto de obligaciones subordinadas que cumplen con el Anexo 1-R de las presentes disposiciones.

30 Monto de obligaciones subordinadas sujetas a transitoriedad que computan como Capital Básico No Fundamental.

31 Monto de obligaciones subordinadas que cumplen con el Anexo 1-S de las presentes disposiciones.

32 Monto de obligaciones subordinadas sujetas a transitoriedad que computan como capital complementario.

33

Impuestos a la utilidad diferidos a cargo provenientes de diferencias temporales asociados a cargos diferidos y pagos

anticipados.

34 Monto del capital contribuido que satisface lo establecido en el Anexo 1-Q de las presentes disposiciones.

35 Resultado de ejercicios anteriores.

36 Resultado por valuación de instrumentos de cobertura de flujo de efectivo de partidas cubiertas valuadas a valor razonable.

37 Resultado neto y resultado por valuación de títulos disponibles para la venta.

38 Monto del capital contribuido que satisface lo establecido en el Anexo 1-R de las presentes disposiciones.

39 Monto del capital contribuido que satisface lo establecido en el Anexo 1-S de las presentes disposiciones.

40

Resultado por valuación de instrumentos para cobertura de flujo de efectivo de partidas cubiertas valuadas a costo

amortizado.

41 Efecto acumulado por conversión.

42 Resultado por tenencia de activos no monetarios.

43

Posiciones relacionadas con el Esquema de Primeras Pérdidas en los que se conserva el riesgo o se proporciona protección

crediticia hasta cierto límite de una posición conforme a la fracción I inciso o) del Artículo 2 Bis 6.

44

Reservas pendientes de constituir conforme a lo establecido en la fracción I inciso k) del Artículo 2 Bis 6 de las presentes

disposiciones.

45

El monto que resulte si con motivo de la adquisición de posiciones de bursatilización, las Instituciones originadoras registran

una utilidad o un incremento en el valor de sus activos respecto de los activos anteriormente registrados en su balance,

conforme a lo establecido en la fracción I inciso c) del Artículo 2 Bis 6 de las presentes disposiciones.

46

Operaciones que contravengan las disposiciones, conforme a lo establecido en la fracción I inciso m) del Artículo 2 Bis 6 de


47

El monto agregado de las Operaciones Sujetas a Riesgo de Crédito a cargo de Personas Relacionadas Relevantes conforme

a la fracción I incisos) del Artículo 2 Bis 6 de las presentes disposiciones.

Tabla II.3

Notas a la tabla II.2 “Conceptos regulatorios considerados para el cálculo de los componentes del Capital Neto”

ConceptoImporte de posiciones

equivalentes

Requerimiento de

capital

Operaciones en moneda nacional con tasa nominal 4.58 0.37

Operaciones con títulos de deuda en moneda nacional con sobretasa y una tasa revisable

Operaciones en moneda nacional con tasa real o denominados en UDI's

Operaciones en moneda nacional con tasa de rendimiento referida al crecimiento del Salario Mínimo General

Posiciones en UDI's o con rendimiento referido al INPC

Posiciones en moneda nacional con tasa de rendimiento referida al crecimiento del salario mínimo general

Operaciones en moneda extranjera con tasa nominal

Posiciones en divisas o con rendimiento indizado al tipo de cambio

Posiciones en acciones o con rendimiento indizado al precio de una acción o grupo de acciones

Posiciones en Mercancías

Requerimiento de Capital por Impacto de Gamma y Vega

ConceptoActivos ponderados

por riesgo

Requerimiento de

capital

Grupo III (ponderados al 20%) 12 1

Grupo VI (ponderados al 100%) 126 10

Grupo VIII (ponderados al 115%) 2 0

Método empleadoActivos ponderados

por riesgo

Requerimiento de

capital

MÉTODO INDICADOR BÁSICO 75.30 6.02

Promedio del requerimiento por riesgo de mercado y de crédito de los últimos 36 meses

Promedio de los

ingresos netos anuales

positivos de los

últimos 36 meses

40.16


Tabla III.2

Activos ponderados sujetos a riesgo de crédito por grupo de riesgo


Tabla III.3

Activos ponderados sujetos a riesgo de operacional


Tabla III.1

Posiciones expuestas a riesgo de mercado por factor de riesgo

Referencia Característica Opciones

1 Emisor N.A

2 Identificador ISIN, CUSIP o Bloomberg N.A

3 Marco legal Ley de Sociedades Mercantiles

Tratamiento regulatorio

4 Nivel de capital con transitoriedad N.A

5 Nivel de capital sin transitoriedad Fundamental Capital

6 Nivel del instrumento

Sofom, subsidiaria de una Institucion de

Crédito

7 Tipo de instrumento Acciones Serie B

8 Monto reconocido en el capital regulatorio $469,950,000.00

9 Valor nominal del instrumento $1,000.00

9A Moneda del instrumento Pesos Mexicanos

10 Clasificación contable Capital

11 Fecha de emisión N.A

12 Plazo del instrumento Perpetuidad

13 Fecha de vencimiento Sin vencimiento

14 Cláusula de pago anticipado No

15 Primera fecha de pago anticipado N.A

15A Eventos regulatorios o fiscales No

15B Precio de liquidacion de la cláusula de pago anticipado N.A

16 Fechas subsecuentes de pago anticipado N.A

Rendimientos / dividendos

17 Tipo de rendimiento / dividendo Variable

18 Tasa de interés / dividendo Variable

19 Cláusula de cancelación de dividendos No

20 Discrecionalidad en el pago Obligatorio

21 Cláusula de aumento de intereses No

22 Rendimiento / dividendos No Acumulable

23 Convertibilidad del instrumento N.A

24 Condiciones de convertibilidad N.A

25 Grado de convertibilidad N.A

26 Tasa de conversión N.A

27 Tipo de convertibilidad del instrumento N.A

28 Tipo de instrumento financiero de la convertibilidad N.A

29 Emisor del instrumento N.A

30 Cláusula de disminución de valor (Write-Down) No

31 Condiciones para disminucion de valor N.A

32 Grado de baja de valor N.A

33 Temporalidad de la baja de valor N.A

34 Mecanismo de disminución de valor temporal N.A

35 Posición de subordinación en caso de liquidación Acreedores en general

36 Caraterísticas de incumplimiento No

37 Descripción de características de incumplimiento N.A

Principales características de los títulos que forman parte del Capital Neto

Tabla IV.1

Referencia Característica Opciones

1 Emisor N.A

2 Identificador ISIN, CUSIP o Bloomberg N.A

3 Marco legal Ley de Sociedades Mercantiles

Tratamiento regulatorio

4 Nivel de capital con transitoriedad N.A

5 Nivel de capital sin transitoriedad Fundamental Capital

6 Nivel del instrumento Sofom, subsidiaria de una Institucion de Crédito

7 Tipo de instrumento Acciones Serie A

8 Monto reconocido en el capital regulatorio $50,000.00

9 Valor nominal del instrumento $1,000.00

9A Moneda del instrumento Pesos Mexicanos

10 Clasificación contable Capital

11 Fecha de emisión N.A

12 Plazo del instrumento Perpetuidad

13 Fecha de vencimiento Sin vencimiento

14 Cláusula de pago anticipado No

15 Primera fecha de pago anticipado N.A

15A Eventos regularios o fiscales No

15B Precio de liquidacion de la cláusula de pago anticipado N.A

16 Fechas subsecuentes de pago anticipado N.A

Rendimientos / dividendos

17 Tipo de rendimiento / dividendo Variable

18 Tasa de interés / dividendo Variable

19 Cláusula de cancelación de dividendos No

20 Discrecionalidad en el pago Obligatorio

21 Cláusula de aumento de intereses No

22 Rendimiento / dividendos No Acumulable

23 Convertibilidad del instrumento N.A

24 Condiciones de convertibilidad N.A

25 Grado de convertibilidad N.A

26 Tasa de conversión N.A

27 Tipo de convertibilidad del instrumento N.A

28 Tipo de instrumento financiero de la convertibilidad N.A

29 Emisor del instrumento N.A

30 Cláusula de disminución de valor (Write-Down) No

31 Condiciones para disminucion de valor N.A

32 Grado de baja de valor N.A

33 Temporalidad de la baja de valor N.A

34 Mecanismo de disminución de valor temporal N.A

35 Posición de subordinación en caso de liquidación Acreedores en general

36 Caraterísticas de incumplimiento No

37 Descripción de características de incumplimiento N.A

Tabla IV.1.2

Principales características de los títulos que forman parte del Capital Neto

subject matter - santander méxico · deferred taxes to profit credited relying on future income...

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