GENTERAREPORTS 4Q16 RESULTS

MEXICO CITY, MEXICOFEBRUARY 23, 2017 GENTERA S.A.B. DE C.V. (GENTERA OR THE COMPANY) (BMV: GENTERA*) ANNOUNCED TODAY AUDITED CONSOLIDATED FINANCIAL RESULTS FOR THE FOURTH QUARTER ENDED DECEMBER 31, 2016. ALL FIGURES WERE PREPARED IN ACCORDANCE WITH REQUIREMENTS FROM THE NATIONAL BANKING AND SECURITIES COMMISSION (CNBV) ARE EXPRESSED IN NOMINAL MEXICAN PESOS (PS.)

4Q16 HIGHLIGHTS:

TOTAL LOAN PORTFOLIO REACHEDPS. 33,508 MILLION, A 17.6% INCREASE COMPARED WITH 4Q15.LOAN PORTFOLIO PER SUBSIDIARY WAS DISTRIBUTED AS FOLLOW:

BANCO COMPARTAMOS S.A. I.B.M. (MEXICO) (BANCO COMPARTAMOS) REACHED PS. 25,063 MILLION, A 9.7% INCREASE VERSUS THE LOAN PORTFOLIO FROM MICROCREDIT IN 4Q15;COMPARTAMOS FINANCIERA (PERU) AT PS. 7,873 MILLION, A 50.3% INCREASE VERSUS 4Q15; ANDCOMPARTAMOS S.A. (GUATEMALA) WAS PS. 572 MILLION, 40.0% HIGHER COMPARED WITH 4Q15.NET INCOME FOR 2016 WAS PS. 3,410 MILLION, A 7.9% GROWTH COMPARED WITH 2015. NET INCOME FOR 2016, EXCLUDING NON-RECURRENT EVENTS,GREW 15.2% REACHING PS. 3,642 MILLION.

NET INCOME FOR THE FOURTH QUARTER WAS PS. 540 MILLION, A37.9% CONTRACTION COMPARED WITH THE NET INCOME OF PS. 870 MILLION ACHIEVED IN 4Q15.

NIM STOOD AT 54.3%, COMPARED WITH 57.1% IN 4Q15. FOR FULL-YEAR 2016, NIM WAS 54.5%.

ROE STOOD AT 13.8%, COMPARED WITH 26.5% DURING 4Q15. FOR FULL-YEAR 2016, ROE STOOD AT 22.8%.

ROA REACHED 5.2%, COMPARED WITH 9.6% IN 4Q15. FOR FULL-YEAR 2016, ROAWAS 8.6%.

NON-PERFORMING LOANS (NPLS) FOR 4Q16 WERE 4.22%, COMPARED TO 3.09% IN 4Q15. EFFICIENCY RATIO FOR THE FULL-YEAR 2016 WAS 69.4% COMPARED WITH 68.6% IN 2015.EFFICIENCY RATIO FOR 4Q16 WAS 80.1%, COMPARED TO 68.9% REPORTED IN 4Q15. YASTAS1 RECORDED APPROXIMATELY 1.7 MILLION FINANCIAL TRANSACTIONS DURING THE QUARTER, 75% HIGHER THAN THOSE RECORDED IN 4Q15.

ATERNA2 ENDED THE QUARTER WITH MORE THAN 5.5 MILLION ACTIVE LIFE INSURANCE POLICIES THROUGHOUT ITS OPERATIONS IN MEXICO, PERU AND GUATEMALA, WHICH REPRESENTED MORE THAN 1 MILLION ACTIVE LIFE INSURANCE POLICIES THAN THE FIGURE REACHED IN 4Q15.INTERMEX3 WITH MORE THAN 1,800 AFFILIATES RECORDED MORE THAN 1.1 MILLION TRANSACTIONS, REPRESENTING MORE THAN PS. 6,000 MILLION PESOS. DURING 2016, INTERMEX-COMPARTAMOS REGISTERED APPROXIMATELY 4.4 MILLION TRANSACTIONS, REPRESENTING MORE THAN PS. 21,400 MILLION.

AT QUARTER-END, 2,229,999 SHARES WERE REPURCHASED THROUGH THE COMPANYS SHARE BUYBACK PROGRAM ESTABLISHED ON APRIL 20, 2016. OUTSTANDING SHARES AS OF DECEMBER 31, 2016: 1,624,781,415

AT THE END OF 4Q16, MORE THAN81% OF GENTERAS STAFF PARTICIPATED IN VOLUNTEER ACTIVITIES AND PROGRAMS IN VARIOUS COMMUNITIES, WHO DEVOTED 74,386 HOURS BENEFITING MORE THAN 84,000 PEOPLE.1 GENTERAS CORRESPONDENT NETWORK MANAGER / 2 GENTERAS MICRO-INSURANCE BROKER/ 3 GENTERAS REMITTANCES COMPANY.COMMENTS FROM MR. CARLOS LABARTHE, GENTERAS PRESIDENT & CEO:

GENTERA CONCLUDES ANOTHER YEAR EXCITED ABOUT THE EVOLUTION OF THE DIFFERENT SUBSIDIARIES THAT INTEGRATE THE BUSINESS; OUR COMMITMENT TO ERADICATE FINANCIAL EXCLUSION CONTINUES TO BE THE KEY ELEMENT INOUR DECISIONS-MAKING PROCESS AND IN THE ACTIONS THAT WE UNDERTOOK IN YEAR 2016.

AT THE END OF THE FOURTH QUARTER, THE COMPANY ACHIEVED GREAT GOALS, AMONG OTHERS: SERVING CLOSE TO 3.4 MILLION PEOPLE THROUGH LOANS, CONSOLIDATING ITS PRESENCE IN 3 COUNTRIES, PERU, GUATEMALA AND MEXICO; AND COUNTING ON A GREAT TEAM OF MORE THAN 21,000 EMPLOYEES, ALL WORKING TOGETHER FOR THE SAME PURPOSE. AT THE END OF 2016 THE CONSOLIDATED LOAN PORTFOLIO GREW 17.6% COMPARED TO THE PREVIOUS YEAR. ATERNA CONCLUDED WITH MORE THAN 5.5 MILLION ACTIVE LIFE INSURANCE POLICIES, AND DURING THE YEAR IT SOLD OVER 16.9 MILLION LIFE INSURANCE POLICIES, WHICH REPRESENTED A GROWTH OF 13.6% COMPARED WITH THE POLICIES SOLD IN 2015; WITH REGARDS TO YASTAS, IT WAS ITS FIRST YEAR IN BECOMING APROFITABLE COMPANY, REACHING OVER 2,700 AFFILIATES, REPRESENTING A MORE CONVENIENT OPTION FOR FINANCIAL TRANSACTIONS FOR BANCO COMPARTAMOS CUSTOMERS; INTERMEXEXECUTED OVER 1.1 MILLION REMITTANCES PAYMENTS IN THE FOURTH QUARTER ALONE, AND 4.4 MILLION DURING THE YEAR.ALSO IN 2016 WE PRESENTED FIINLAB, OUR FINANCIAL INCLUSION AND INNOVATION LABORATORY, WHICH ITS MAIN PURPOSE IS TO CREATE NEW BUSINESS MODELS FOR FINANCIALINCLUSION AND PRODUCTS THAT WILL DRAMATICALLY IMPROVE OUR CUSTOMERS EXPERIENCE.

WEARE VERY PROUD OF WHAT WE HAVE ACHIEVED TOGETHER TO DEVELOP THE INDUSTRY, INTEGRATING MORE AND MORE CUSTOMERS INTO THE FORMAL FINANCIAL SYSTEM, THROUGH A MORE COMPLETE PRODUCT OFFERING, THROUGH CREDITS, SAVINGS, PAYMENTS, INSURANCES; AND IN THE FUTURE, FINANCIAL SERVICES THROUGH DIGITAL PLATFORMS.

RESULTS OFOPERATIONS

FINANCIAL RESULTS AND ECONOMIC INDICATORS

* INTHIS TABLE EMPLOYEES IN BANCO COMPARTAMOS INCLUDE 280 EMPLOYEES FROM ATERNA, YASTAS AND INTERMEX.COMPARTAMOS FINANCIERA (PERU) IS REPORTED UNDER MEXICAN GAAP.

INCOME STATEMENTTHE FOLLOWING FINANCIAL RESULTS ANALYSIS IS BASED ON CONSOLIDATED FIGURES. INTEREST INCOME REACHED PS.5,357 MILLION IN 4Q16, A 14.7% INCREASE COMPARED WITH 4Q15, DUE TO SOLID PORTFOLIO GROWTH AND THE NEW PORTFOLIO MIX. WHEN WE CONSIDER THE INTEREST INCOME GENERATED IN THE FULL-YEAR 2016 THIS FIGURE AMOUNTED TO PS. 20,017 MILLION, WHICH REPRESENTED A GROWTH OF 15.9% YEAR-OVER-YEAR. THIS GROWTH RATE IS CONSISTENT WITH THE GROWTH TREND EXPERIENCED THROUGHOUT THIS YEAR.BANCO COMPARTAMOS REPRESENTS MOST OF GENTERAS CURRENT PORTFOLIO AND INTEREST INCOME, WITH APPROXIMATELY 74.8% AND 85.8%,RESPECTIVELY.

GENTERAS THREE MAIN SUBSIDIARIES GRANT LOANS WITH DIFFERENT AVERAGE OUTSTANDING BALANCE PER CLIENT (PS. 8,604 FOR BANCO COMPARTAMOS, PS. 20,456 FOR COMPARTAMOS FINANCIERA AND PS. 6,825 FOR COMPARTAMOS GUATEMALA). THESE VARIATIONS IN TICKET SIZE ARE RELATED WITH THE SHARE OF THE GROUPLENDING OR INDIVIDUAL LENDING PRODUCTS IN ITS RESPECTIVE PORTFOLIO. THE YIELD FOR GENTERAS PORTFOLIO STOOD AT 65.5%.INTEREST EXPENSE INCREASED BY PS. 110 MILLION, OR 46.2%, COMPARED WITH 4Q15. THIS INCREASE REFLECTS THE EFFECT OF THE REFERENCE RATE ADJUSTMENT IN MEXICO AND PERU. HOWEVER THIS INCREASE IS MODERATE CONSIDERING THAT THE REFERENCE RATE IN MEXICO HAS GONE UP CLOSE TO 100% ALONG 2016, WHILE IN PERU THE REFERENCE RATE HAS INCREASED OVER 13% IN THE PAST 12 MONTHS. NET INTEREST MARGIN (NIM) FOR THE FOURTH QUARTER 2016 REACHED 54.3%, DECREASING VERSUS THE 57.1%RATE REPORTED IN 4Q15.

PROVISIONS FOR LOAN LOSSES REACHED PS. 1,021 MILLION DURING THE QUARTER. THIS LEVEL WAS PS. 363 MILLION, OR 55.2% HIGHER COMPARED TO 4Q15, IN LINE WITH THE EVOLUTION OF THE PORTFOLIO MIX WHICH IS INTEGRATED WITH DIFFERENT RISK PROFILE PRODUCTS. PROVISIONS ARE IN ACCORDANCE WITH CNBV REGULATIONS AND METHODOLOGIES, REFLECTING THE LEVEL REQUIRED FOR EACH PARTICULAR PRODUCT.NII AFTER PROVISIONS ROSE TO PS. 3,988 MILLION, A 5.6% INCREASE COMPARED TO PS. 3,776 MILLION IN 4Q15.

NIM (NET INTEREST MARGIN) AFTER PROVISIONS (NII AFTER PROVISIONS FOR LOSSES / AVERAGE YIELDING ASSETS) FOR 4Q16 WAS 43.2%, COMPARED TO 48.6% IN 4Q15.

NET INTEREST MARGIN AFTER PROVISIONS / AVERAGE YIELDING ASSETS

COMMISSIONS AND FEE INCOME DURING THE QUARTER INCREASED 17.2% TO PS. 403 MILLION, COMPARED WITH 4Q15. THIS LINE ITEM MAINLY REFLECTED: I) LATE PAYMENT FEES CHARGED TO CLIENTS WITH DELINQUENT LOANS AT BANCO COMPARTAMOS; II) FEES GENERATED AT YASTAS, ATERNA AND INTERMEX; AND III) COMMISSIONS GENERATED AT COMPARTAMOS FINANCIERA. THEFOLLOWING TABLE SHOWS CONSOLIDATED NUMBERS OF THE DIFFERENT SUBSIDIARIES.

COMMISSIONS AND FEE EXPENSES DECREASED 4.0%, OR PS. 7 MILLION, TO PS. 169 MILLION COMPARED WITH 4Q15. THIS LINE ITEM MAINLY INCLUDED: I) FEES CHARGED BY THIRD PARTIES TO BANCO COMPARTAMOS FOR THE USE OF THEIR NETWORKS, AS WELL AS II) FEES RELATED TO THE OPERATION OF YASTAS AND INTERMEX. THE FOLLOWING TABLE SHOWS CONSOLIDATED NUMBERS OF THE DIFFERENT SUBSIDIARIES.

THE NET EFFECT BETWEEN COMMISSIONS CHARGED AND COMMISSIONS PAID IN 4Q16 REACHED PS. 234 MILLION, AN INCREASE OF PS.66 MILLION, OR 39.3%, COMPARED WITH THE NET EFFECT OBTAINED IN 4Q15. THIS WAS DERIVED MAINLY FROM COMMISSIONS CHARGED TO CUSTOMERS WITH DELINQUENT ACCOUNTS ANDAN INCREASE IN COMMISSIONS COMING FROM INSURANCE SALES IN ADDITION TO FEES CHARGED BY INTERMEX RELATED TO REMITTANCES SERVICES.TRADING GAINS CAME IN AT PS. 5 MILLION DURING THE QUARTER. THIS LINE ITEM REPRESENTED THE FX GAINS WITHIN THE INTERMEX-BANCO COMPARTAMOS BRANCHES.

OTHER OPERATING INCOME/LOSSES WHICH REFLECT THE NON-RECURRING INCOME/EXPENSES STOOD WITH A LOSS OF PS. 117 MILLION. FOR THE FOURTHQUARTER THIS LINE ITEM REFLECTED:

1) AN ADDITIONAL PROVISION LINKED TO THE INVESTMENT ANDCONVERTIBLE LOANS THAT WERE GRANTED TO MIMONI IN THE PAST. THESE PROVISIONS WERE CREATED DUE TO THE IMPAIRMENT IN ITS FINANCIALS, WHICH ORIGINATED AN IMPACT OFPS. 110 MILLION. OPERATING EXPENSES REACHED PS. 3,294 MILLION, A 19.7% INCREASE VERSUS THE PS. 2,753 MILLION REACHED IN 4Q15. DURING THIS QUARTER BANCO COMPARTAMOS, GENTERAS MAIN SUBSIDIARY, BOOKED A PROVISION OF PS. 165 MILLION; THIS PROVISION IS LINKED TO PREVIOUS YEARS LEGAL DISPUTES OF COMPARTAMOS, WHICH MAY OR MAYNOT BE MATERIALIZED IN THE SHORT TERM.

GENTERAS SUBSIDIARIES JOINTLY TOTALED 21,184 EMPLOYEES, AN INCREASE OF5.0% COMPARED WITH 4Q15, MAINLY DUE TO THE FOLLOWING:

I) THE MEXICAN OPERATION SHOWED A SLIGHT CONTRACTION IN THE NUMBER OF EMPLOYEES AS A RESULT OF A BETTER USE OF THE TECHNOLOGY IN HANDS OF OUR LOAN OFFICERS AND IMPROVEMENTS IN THE METHODOLOGY.

II)OUR PERUVIAN OPERATION GREW 31.7% ON A YEAR-ON-YEAR BASIS IN TERMS OF THE NUMBER OF EMPLOYEES. THIS ADDITIONAL SALES FORCE WAS REQUIRED TO ADEQUATELY SERVE THE CLIENT BASE AND ACHIEVE FURTHER MARKET PENETRATION WITH CREDITO MUJER. THIS PRODUCT HAS EXPERIENCED OUTSTANDING GROWTH IN THE PAST 12 MONTHS, ATTRACTING MORETHAN 100 THOUSAND CLIENTS, WHICH REPRESENTED A GROWTH OF 84.0% COMPARED TO THE NUMBER OF CUSTOMERS SERVED IN 4Q15.

SALARIES ANDBENEFITS REPRESENTED APPROXIMATELY PS. 1,651.1 MILLION, OR 50.1% OF OPERATING EXPENSES

DURING 4Q16, GENTERA HAD 567 SERVICE OFFICES AND 135 BRANCHES IN MEXICO, 73 SERVICE OFFICES IN PERU AND 45 IN GUATEMALA FOR A TOTAL NUMBER OF 685 SERVICE OFFICES AND 135 BRANCHES. TOGETHER, THESE SERVICE OFFICES AND BRANCHES (SO & B) REPRESENTED PS. 823.2 MILLION, OR 25.0% OF OPERATING EXPENSES. THE CURRENT NUMBER OF SERVICE OFFICES AND BRANCHES WAS 8.2% LARGER THAN THE 758 SERVICE OFFICES AND BRANCHES REPORTED IN 4Q15.

OTHER STRATEGIC INITIATIVES AND ADVISORY SERVICES, SUCH AS: I) THE SAP PLATFORM AND THE ERP; II) THE DEPOSIT PILOT PROJECTS; III) YASTAS; AMONG OTHER INITIATIVES JOINTLY REPRESENTED PS. 560.1 MILLION OR 17.0% OF OPERATING EXPENSES DURING 4Q16.

MARKETING CAMPAIGNS REPRESENTED PS. 259.1 MILLION, OR 7.9% OF OPERATING EXPENSES DURING THE FOURTH QUARTER, INCLUDING THE INVESTMENT ASSOCIATED WITH THE LOYALTY PROGRAM THAT AMOUNTED TO PS. 118 MILLION THIS QUARTER.

PARTICIPATION IN NET INCOME FROM NON-CONSOLIDATED SUBSIDIARIES REPRESENTED A PS. 16 MILLION LOSS DURING THE QUARTER, COMPAREDWITH A PS. 20 MILLION LOSS IN 4Q15. THIS LINE ITEM REFLECTS THE CONTRIBUTION OF MIMONI, THE ONLINE LENDING COMPANY IN WHICH GENTERA IS INVESTING.FOR THE FOURTH QUARTER OF 2016, NET INCOME WAS PS. 540 MILLION, A DECREASE OF 37.9% COMPARED TO THE PS. 870 MILLION REACHED IN 4Q15.FOR THE FULL-YEAR 2016, NET INCOME WAS PS. 3,410 MILLION, AN INCREASE OF 7.9% COMPARED TO THE PS. 3,161 MILLION GENERATED IN THE SAME PERIOD LAST YEAR. WHEN ISOLATING THE NON-RECURRENT EVENTS OF THE YEAR, NET INCOME WOULD HAVE REACHED PS. 3,642 MILLION, WHICH REPRESENTED A GROWTH OF 15.2% COMPARED WITH YEAR 2015.

BALANCE SHEETCASH AND OTHER INVESTMENTS WERE PS. 6,570 MILLION DURING THE FOURTH QUARTER OF 2016. THIS NEW LEVEL OF LIQUIDITY IS DUE TO THE FACT THAT, BANCO COMPARTAMOS, GENTERAS MAIN SUBSIDIARY DECIDED TO MAINTAIN A MORE CONSERVATIVE CASH POSITION THAT ENABLES IT TO COVER OPERATING EXPENSE GROWTH, DEBT AMORTIZATIONS ANDEXPECTED PORTFOLIO GROWTH FOR THE FOLLOWING 60 DAYS COMPARED TO THE PREVIOUS POLICY IN WHICH BANCO COMPARTAMOS HAD THE LIQUIDITY REQUIRED FOR THE FOLLOWING 30DAYS. IT IS IMPORTANT TO NOTE THAT 74.8% OF THE CASH ON THE BALANCE SHEET CORRESPONDED TO BANCO COMPARTAMOS, WITH PS. 4,902 MILLION HELD IN HIGHLY LIQUID ASSETS. THE REMAINDER IS HELD IN GENTERA ACCOUNTS THROUGHOUT ITS VARIOUS SUBSIDIARIES.TOTAL LOAN PORTFOLIO REACHED PS. 33,508 MILLION IN 4Q16, 17.6% HIGHER THAN THE FIGURE REPORTED IN 4Q15. THE LOAN PORTFOLIO WAS DISTRIBUTED AS FOLLOW: 74.8% AT BANCO COMPARTAMOS; 23.5% AT COMPARTAMOS FINANCIERA IN PERU AND 1.7% AT COMPARTAMOS IN GUATEMALA.

CREDIT QUALITY (NON-PERFORMING LOANS / TOTAL PORTFOLIO)

CONSOLIDATED NON-PERFORMING LOANS REACHED 4.22% IN 4Q16, REPRESENTING A DETERIORATION WHEN COMPARED TO THE 3.33% RECORDED IN 3Q16, AND THE 3.09% IN 4Q15, RESPECTIVELY, DUE TO A HIGHER PARTICIPATION OF DIFFERENT RISK PROFILE PRODUCTS IN THE PORTFOLIO AND TO THE COMPETITION EXPERIENCED IN CERTAIN REGIONS OF MEXICO. IT IS IMPORTANT TO MENTIONTHAT BANCO COMPARTAMOS POLICY IS TO WRITE-OFF LOANS THAT ARE PAST DUE BY 180 DAYS OR MORE.

PERFORMANCE RATIOS AND METRICSTHE 4Q16 COVERAGE RATIO WAS 156.4%, WHICH IS IN ACCORDANCE WITH THE NEW PORTFOLIO MIX AND WITH MEXICAN FINANCIAL REGULATIONS.

GOODWILL AMOUNTED TO PS. 981 MILLION AND WAS RELATED TO THE ACQUISITION OF COMPARTAMOS FINANCIERA AND INTERMEX, WHICH WAS REGISTERED AS AN ASSET.

ROAE/ROAADURING 4Q16, GENTERA REACHED A RETURN ON AVERAGEEQUITY (ROAE) OF 13.8%, COMPARED WITH 26.5% IN 4Q15. RETURN ON AVERAGE ASSETS (ROAA) FOR 4Q16 WAS 5.2%, COMPARED WITH 9.6% IN 4Q15.CONSIDERING THE FULL-YEAR 2016, ROAE STOOD AT 22.8% WHEREAS IN THE PREVIOUS YEAR IT WAS 25.1%. ROAA IN THE YEAR 2016 WAS 8.6% COMPAREDWITH 9.3% IN 2015. GENTERA

CONSOLIDATED INCOME STATEMENTFOR THE PERIOD ENDED DECEMBER 31, 2016

(IN MILLIONS OF MEXICAN PESOS)GENTERA

CONSOLIDATED BALANCE SHEETFOR THE PERIOD ENDED DECEMBER 31, 2016

(IN MILLIONS OF MEXICAN PESOS)BANCO COMPARTAMOS

THE FOLLOWING SECTION SETS FORTH THE AUDITED FINANCIAL RESULTS FOR THE FOURTHQUARTER OF 2016 (4Q16) FOR BANCO COMPARTAMOS, S.A. I.B.M. (BANCO COMPARTAMOS OR THE BANK), WHICH IS GENTERAS MAIN SUBSIDIARY AND IS LOCATED IN MEXICO. ALL FIGURES ARE EXPRESSED IN MEXICAN PESOS IN ACCORDANCE WITH THE CNBV REGULATIONS APPLICABLE TO CREDIT INSTITUTIONS AND MAY VARY DUE TO ROUNDING.

FINANCIAL HIGHLIGHTS

PORTFOLIO AND NET INCOME ARE EXPRESSED IN MILLIONS OF MEXICAN PESOS. * SOME OF THESERVICE OFFICES TRANSFORMED INTO BRANCHES.

4Q16 HIGHLIGHTS:

TOTAL LOAN PORTFOLIO REACHED PS. 25,063 MILLION, 9.7% HIGHER WHEN COMPARED WITH THE LOAN PORTFOLIO OF MICROCREDIT LOANS REACHED IN 4Q15.NON-PERFORMING LOANS REACHED 4.49% IN 4Q16, COMPARED WITH 2.86% IN 4Q15. NET INCOME FOR FULL-YEAR 2016 WAS PS. 3,119 MILLION, A 3.9% GROWTH COMPARED WITH 2015

O NET INCOME FOR 4Q16 REACHED PS. 546 MILLION, A 28.0% CONTRACTION VERSUS THE PS. 758 MILLION REPORTED IN 4Q15.

CAPITALIZATION RATIO STOOD AT27.5%.

ROA WAS 7.3%, COMPARED WITH 10.9% IN 4Q15.

ROE WAS 20.5%, COMPARED WITH 31.9% IN 4Q15.

BANCO COMPARTAMOS ENDED THE QUARTER WITH A TOTAL OF 567 SERVICE OFFICES AND 135 BRANCHES.RESULTS OF OPERATIONS

NET INTEREST INCOME AFTER PROVISIONS (NII AFTER PROVISIONS)

INTEREST INCOME REACHED PS. 4,595 MILLION IN 4Q16, 10.5% HIGHER THAN THAT OF 4Q15. CONSIDERING THE INTEREST INCOME GENERATEDDURING THE YEAR 2016 IT STOOD AT PS. 17,420 MILLION, 12.9% HIGHER THAN 2015, IN LINE WITH THE PERFORMANCE OF THE PORTFOLIO DURING THIS PERIOD.THE FUNDING COST, WHICH INCLUDES LIABILITIES AND DEPOSITS, STOOD AT 5.64% DURING 4Q16 COMPARED TO 3.84% IN 4Q15. INTEREST EXPENSES ROSE BY 51.2% TO PS. 248 MILLION, COMPARED WITH PS. 164 MILLION IN 4Q15. THIS GROWTH WAS EXPLAINED BY: I) THE INCREASE IN THE REFERENCE RATE; II) THE INCREASE INTHE LIQUIDITY METRIC FROM 30 TO 60 DAYS; WHICH REPRESENTED THE FUNDS REQUIRED BY BANCO COMPARTAMOS TO COVER OPERATING EXPENSES, DEBT MATURITIES AND LOAN PORTFOLIO GROWTH. AS AFOREMENTIONED, THE COST OF FUNDS DURING 4Q16 WAS RELATIVELY STABLE CONSIDERING THAT THE CENTRAL BANK RAISED INTEREST RATES BY 275 BPS SINCE DECEMBER 2015. THIS WAS POSSIBLE GIVEN THE FACT THAT THE BANK OBTAINED BETTER CREDIT SPREADS FROM THE CREDIT LINES USED IN THE PAST MONTHS. AS A RESULT, BANCO COMPARTAMOS REPORTED NET INTEREST INCOME OF PS. 4,347 MILLION, 8.8% HIGHER THAN IN 4Q15.PROVISIONS FOR LOAN LOSSES WERE PS. 891 MILLION DUE TO A HIGHER PARTICIPATION OF CREDITO COMERCIANTE; CREDITO CRECE Y MEJORA AND CREDITO INDIVIDUAL PRODUCTSIN THE PORTFOLIO DURING 4Q16, WHICH ACCOUNTED FOR 50.2% OF THE PORTFOLIO. NII AFTER PROVISIONS ROSE TO PS. 3,456 MILLION, A 0.8% INCREASE COMPARED WITH PS. 3,430 MILLION IN 4Q15.

DUE TO THE AFOREMENTIONED, NIM (NET INTEREST MARGIN) AFTER PROVISIONS (NII AFTER PROVISIONS FOR LOSSES / AVERAGE YIELDING ASSETS) FOR 4Q16 WAS 50.3%, COMPARED WITH 56.2% IN 4Q15.NET OPERATING INCOME

COMMISSIONS ANDFEE INCOME REACHED PS. 244 MILLION, A 23.2% INCREASE VERSUS 4Q15. THIS LINE ITEM WAS MAINLY DRIVEN BY COLLECTION FEES AND PENALTIES CHARGED TO CLIENTS WITH DELINQUENT ACCOUNTS, REPRESENTING 44.8% OF INCOME, AS WELL AS COMMISSIONS FOR SOLD VOLUNTARY LIFE INSURANCE POLICIES, WHICH ACCOUNTED FOR 49.4%. THE REMAINING 5.8%WAS RELATED TO OTHER CONCEPTS AND FEES.

COMMISSIONS AND FEE EXPENSES TOTALED PS. 151 MILLION, AN INCREASE OF 60.6% COMPARED TO 4Q15. THIS LINE ITEM MAINLY REFLECTED: I) 38.6% COLLECTION AND DISBURSEMENT FEE COSTS; II) 27.3% FOR ALTERNATIVE LOCATIONS TO PAY AND WITHDRAW LOANS FROM BANCO COMPARTAMOS AND III) 11.4% FOR THE FREE VOLUNTARY LIFE INSURANCE COVERAGE INCLUDED IN THE CREDITO MUJER PRODUCT AND IV) 21.4% FEES PAID TO YASTS; AND THE REMAINDER LINKED TO ADMINISTRATIVE FEES.

TRADING GAINS REACHED PS. 4 MILLION DURING THE QUARTER DUE TO FX GAINS FROM THE COMPARTAMOS-INTERMEX OPERATION.OTHER INCOME/EXPENSES REACHED A PS. 43 MILLION LOSS. THIS LINE ITEM REFLECTED NON-RECURRING INCOME OR EXPENSES, WHICH FORTHE FOURTH QUARTER WERE PRIMARILY DRIVEN BY RECOVERY EXPENSES OF DELINQUENT ACCOUNTS AND DONATIONS.

OPERATING EXPENSES FOR 4Q16 ROSE 10.8% WHEN COMPARED TO 4Q15, PRIMARILY ATTRIBUTABLE TO: I) NEW BRANCHES AND SERVICE OFFICES; II) THE IMPLEMENTATION OF OUR STRATEGIC INITIATIVES; AND, III) A LEGAL PROVISIONOF PS. 165 MILLION RECORDED THIS QUARTER IN THE OPEX LINE. THIS PROVISION IS LINKED TO PREVIOUS YEARS LEGAL DISPUTES, WHICH MAY OR MAY NOT BE MATERIALIZED IN THE SHORT TERM.

NET INCOME

BANCO COMPARTAMOS REPORTED NET INCOME OF PS. 546 MILLION, REPRESENTING A 28.0% CONTRACTION VERSUS 4Q15.

FOR FULL-YEAR 2016, NET INCOME WAS PS. 3,119 MILLION, AN INCREASEOF 3.9% COMPARED TO THE PS. 3,001 MILLION RECORDED LAST YEAR.

BALANCE SHEETCASH AND OTHER INVESTMENTS INCREASED BY 169.2% TO PS. 4,902 MILLION, COMPARED WITH PS. 1,821 MILLION IN 4Q15. THIS AMOUNT REPRESENTED THE FUNDS REQUIRED BY BANCO COMPARTAMOS TO COVER OPERATING EXPENSES, DEBT MATURITIES AND LOAN PORTFOLIO GROWTH FOR THE FOLLOWING 60 DAYS (PREVIOUSLY, THIS POLICY DEMANDED ONLY 30 DAYS, HOWEVER DUE TO THE CURRENT VOLATILITY IN THE MARKETS AND AS PRUDENT APPROACH THE LIQUIDITY WAS INCREASED TO 60 DAYS). DURING 4Q16, CASH AND OTHER INVESTMENTS REPRESENTED 15.5% OF TOTAL ASSETS, WHILE DURING 4Q15 THIS LINE ITEM REPRESENTED 6.6% OF TOTAL ASSETS. CASH AND OTHER INVESTMENTS ARE PLACED IN SHORT-TERMINSTRUMENTS WHERE THE COUNTERPARTY RISK IS APPROVED BY THE BOARDS RISK COMMITTEE.

TOTAL LOANPORTFOLIO

LOAN PORTFOLIO(PS. MILLION)

THE LOAN PORTFOLIO FROM MICROCREDIT LOANS REACHED PS. 25,063 MILLION, 9.7% HIGHER THAN THE PS. 22,850 MILLION REPORTED IN 4Q15. THIS GROWTH WAS DUE TO A HIGHER AVERAGE OUTSTANDING BALANCE PER CLIENT, AND A LARGER PARTICIPATION OF CREDITO COMERCIANTE (MERCHANT CREDIT) AND CREDITO INDIVIDUAL (INDIVIDUAL LOAN) IN THE PORTFOLIO, WHICH HAVE LARGER AVERAGE TICKET SIZES. CREDITO COMERCIANTE NOW HAS A 4.4% LARGER CUSTOMERBASE THAN THAT OF 4Q15 (956,216 CLIENTS IN 4Q16 COMPARED WITH 915,831 DURING 4Q15).

THE AVERAGE OUTSTANDING BALANCEPER CLIENT IN 4Q16 WAS PS. 8,604, 7.8% ABOVE THE PS. 7,985 REPORTED IN 4Q15. THIS INCREASE WAS DUE TO A SLIGHTLY HIGHER PARTICIPATION OF THE PORTFOLIO REPRESENTED BY CREDITO COMERCIANTE AND CREDITO INDIVIDUAL (34.7% IN 4Q16 COMPARED TO 34.0% IN 4Q15) LOANS IN THE PORTFOLIO, BOTH WITH LARGER AVERAGE TICKET SIZES, AND FROM A LARGER AVERAGE OUTSTANDING BALANCE PER CLIENT IN CREDITO MUJER, WHICH GREW BY 9.0% FROM 4Q15 TO 4Q16.

LOAN PRODUCTS & CREDIT QUALITYTHE LOAN PRODUCTS OFFERED BY BANCO COMPARTAMOS ARE DISTRIBUTED UNDER TWO MAIN CATEGORIES (SEE DETAIL ON PAGE 7):1. GROUP LENDING METHODOLOGY: MERCHANT CREDIT (CREDITO COMERCIANTE) AND GROUP LOANS (CREDITO MUJER) REPRESENTED 73.9% OF THE TOTAL LOAN PORTFOLIO IN 4Q16, WHICH IN AGGREGATED PRESENTED AN NPL OF 4.11% FOR THIS 4Q16, COMPARED WITH 2.33% IN 4Q15.2. INDIVIDUAL LENDING METHODOLOGY: IMPROVEMENT LOANS (CRECE Y MEJORA), ADDITIONAL LOANS (CRDITO ADICIONAL) AND PERSONAL LOANS (CREDITOINDIVIDUAL) REPRESENTED A 26.1% SHARE OF THE TOTAL LOAN PORTFOLIO IN 4Q16, WITH A CONSOLIDATED NPL OF 5.57% IN 4Q16, COMPARED WITH 4.36% ONE YEAR AGO.DURING 4Q16, TOTAL NPLS REACHED 4.49%, DETERIORATION WHEN COMPARED TO THE NPLS OF 2.86% AND 3.21% REPORTED IN 4Q15 AND 3Q16, RESPECTIVELY.GROUP LOANS (CREDITO MUJER) IS STILL BANCO COMPARTAMOS MOST IMPORTANT PRODUCT, REPRESENTING 49.8% OF THE PORTFOLIO, WITH NPLS OF 2.48% HIGHER LEVEL THAN THAT REPORTED IN 3Q16 AT 1.57%, AND ALSO SHOWING A DETERIORATION WHEN COMPARED TO THE 1.32% REACHED IN 4Q15.BANCO COMPARTAMOS POLICY IS TO WRITE-OFF PAST DUE NPLS OF OVER 180 DAYS. DURING THE FOURTH QUARTER, THIS FIGURE REACHED PS. 579 MILLION OR 53.6% MORE THAN THAT REACHED IN 4Q15.

FOR 4Q16, THE COVERAGE RATIO (ALLOWANCE FOR LOAN LOSSES / NON-PERFORMING LOANS) WAS150.5% COMPARED WITH 179.9% IN 4Q15. ALLOWANCE FOR LOAN LOSSES IS BASED ON THE METHODOLOGY ESTABLISHED BY THE CNBV, WHICH REQUIRES SPECIFIC RESERVE COVERAGE FOR EACH ORIGINATED LOAN: GROUP LOANS WITH A SOLIDARITY FIGURE; AND A DIFFERENT COVERAGE FOR INDIVIDUAL LOANS. IT IS IMPORTANT TO HIGHLIGHT THAT OUR METHODOLOGY ADHERES TO THE RULES THAT APPLY FOR PERSONAL CREDIT CATEGORY INSTEAD OF THE CONSUMER LOANS, NOT REVOLVING, OTHERS CATEGORY, DESCRIBED PREVIOUSLY.THE ALLOWANCE FOR LOAN LOSSES BY QUALIFICATION WAS DISTRIBUTED AS FOLLOWS: CLASSIFICATION FOR ALLOWANCE FOR LOAN LOSSES IS IN ACCORDANCE WITH CNBV REGULATIONS (SECTION V, ARTICLE 129, AND PARAGRAPH II) APPLICABLE TO CREDIT INSTITUTIONS SINCE JULY 2013 . ALLOWANCE FOR LOAN LOSSES CONTINUED TO SUFFICIENTLY COVER NON-PERFORMING LOANS.

OTHER ACCOUNTS RECEIVABLE ANDOTHER ASSETS

OTHER ACCOUNTS RECEIVABLE REACHED PS. 829 MILLION IN 4Q16, 53.0% LOWER THAN THE PS. 1,762 MILLION RECORDED IN 4Q15. PS. 558.3 MILLION, OR 67.3%, WERE COMPRISED OF ACCOUNTS RECEIVABLE FROM RETAILERS, SUCH AS SUPERMARKETS AND CONVENIENCE STORES, WHICH COLLECT CLIENT PAYMENTS AT THEIR LOCATIONS. TOTAL RECEIVABLES FROM THESE ALTERNATIVE PAYMENT CHANNELS CONTINUE DEMONSTRATING STRONG CUSTOMER DEMAND DUE TO THEIR CONVENIENT LOCATIONS.

FIXED ASSETS REACHED PS. 463 MILLION, BELOW THE PS. 591 MILLION REPORTED IN 4Q15. THIS LINE REPRESENTS FURNITURE & EQUIPMENT, AMONG OTHER CONCEPTS.

OTHER ASSETS REACHED PS. 2,005 MILLION IN 4Q16, PRIMARILY REPRESENTED BY INVESTMENTS IN SAP, SOFTWARE AND ALSO DEFERRED TAXES.TOTAL LIABILITIES

DURING 4Q16, TOTAL LIABILITIES REACHED PS. 20,649 MILLION, 14.0% ABOVE THAN THE PS. 18,120 MILLION REPORTED DURING 4Q15. ALL OF BANCO COMPARTAMOS CURRENT LIABILITIES ARE FULLY PESO-DENOMINATED; THEREFORE, THERE IS NO FX EXPOSURE. BANCO COMPARTAMOS MAINTAINS A WELL-DIVERSIFIED FUNDING MIX THAT RAISES FUNDS FROM VARIOUS SOURCES.CURRENTLY, IT FINANCES ASSETS WITH THE FOLLOWING ALTERNATIVES:

I) LONG-TERM DEBT ISSUANCES: BANCO COMPARTAMOS IS A FREQUENT ISSUER IN THE DEBT CAPITAL MARKETS. AS OF DECEMBER 31, 2016, IT HAD PS. 10,556 MILLION OUTSTANDING IN CERTIFICADOS BURSTILES BANCARIOS (BANK BONDS)II) STRONG CAPITAL BASE: 34.6% OF TOTAL ASSETS WERE FUNDED WITH EQUITY.

III) CREDIT LINES WITH BANKS AND OTHER INSTITUTIONS: BANCO COMPARTAMOS HAD PS. 6,978 MILLION IN CREDIT LINES AMONG VARIOUS BANKING CREDITORS. (DEVELOPMENT BANKS; COMMERCIAL BANKS AND MULTILATERALS)IV) DEPOSITS: FOR 4Q16, DEPOSITS FROM CLIENTS STOOD AT PS. 540 MILLION, WHICH WERE GENERATED WITH OVER 500 THOUSAND DEBIT ACCOUNTS FROM THE DEPOSIT PROJECT. PS. 625 MILLION REPRESENTED DEPOSITS MAINLY FROM GENTERAS SUBSIDIARIES. TOTAL STOCKHOLDERS EQUITY

THE CAPITALIZATION RATIO WAS 27.5% COMPARED WITH 29.1% REPORTED IN 4Q15. THE CURRENT RATIO CONTINUES REFLECTING THE BANKS STRENGTH IN ACCORDANCE WITH LEVELS REQUIRED BY BASEL III AND IS WELL ABOVE MEXICAN BANKING SYSTEM STANDARDS. BANCO COMPARTAMOS REPORTED PS. 9,661 MILLION IN TIER I CAPITAL AND RISK-WEIGHTED ASSETS OF PS.35,121 MILLION.

PERFORMANCE RATIOS AND METRICS

RETURN ON AVERAGE EQUITY (ROAE) FOR 4Q16 WAS 20.5% COMPARED WITH 31.9% IN 4Q15. RETURN ON AVERAGE ASSETS (ROAA) FOR 4Q16 WAS 7.3% COMPARED WITH 10.9% IN 4Q15.CONSIDERING FULL-YEAR 2016, ROAE STOOD AT 30.4% WHEREAS IN THE PREVIOUS YEAR IT WAS 31.7%. ROAA IN THE YEAR 2016 WAS 10.8% COMPARED WITH 11.6% IN 2015.

EFFICIENCY RATIO 1)THE EFFICIENCY RATIO FOR 4Q16 WAS 79.3%, ABOVE THAN THE 70.9% REACHED IN 4Q15 MAINLY ATTRIBUTABLE TO: I) HIGHER LEVELS OF PROVISIONS; II) THE NON-RECURRENT IMPACTS DURING THE YEAR; AND, III) BANCO COMPARTAMOS STRATEGIC INITIATIVES, SUCH AS THE OPENING OF NEW BRANCHES TO SERVE IN A BETTER MANNER TO OUR CLIENTS. CONSIDERING THE FULL-YEAR 2016, EFFICIENCYRATIO STOOD AT 68.5% VERSUS 68.1% IN LAST YEAR.

1 OPERATING EXPENSES / NET OPERATING REVENUEBANCO COMPARTAMOS, S.A., INSTITUCIN DE BANCA MLTIPLE

INCOME STATEMENTFOR THE PERIOD ENDED DECEMBER 31, 2016

(IN MILLIONS OF MEXICAN PESOS)BANCO COMPARTAMOS, S.A., INSTITUCIN DE BANCA MLTIPLE

BALANCE SHEETFOR THE PERIOD ENDED DECEMBER 31, 2016

(IN MILLIONS OF MEXICAN PESOS)COMPARTAMOS FINANCIERA (PERU)

THE FOLLOWING SECTION SETS FORTH THE AUDITED FINANCIAL RESULTS FORTHE FOURTH QUARTER OF 2016 (4Q16) FOR COMPARTAMOS FINANCIERA, GENTERAS PERUVIAN SUBSIDIARY. ALL FIGURES ARE IN MEXICAN PESOS AND MAY VARY DUE TO ROUNDING.NOTE: IT IS IMPORTANT TO HIGHLIGHT THAT THE ANALYSIS AND FIGURES ARE EXPRESSED IN ACCORDANCE WITH MEXICAN GENERALLY ACCEPTED ACCOUNTING PRINCIPLES AND CNBV (NATIONAL BANKING AND SECURITIES COMMISSION) REGULATIONS. THESE FIGURES ARE NOT COMPARABLE TO THE FINANCIAL STATEMENTS SUBMITTED TO THE PERUVIAN SUPERINTENDENCIA DE BANCA, SEGUROS Y AFP (PERUVIAN BANKING, INSURANCE AND PENSION FUND COMMISSION).

FINANCIAL HIGHLIGHTS

COMPARTAMOS FINANCIERAS FIGURES ARE REPORTED UNDER MEXICAN GAAP.

PORTFOLIOAND NET INCOME ARE EXPRESSED IN MEXICAN PESOS (MILLIONS) AND WITH THEIR CORRESPONDING FX FOR THE QUARTER.

4Q16 HIGHLIGHTS:

TOTAL LOAN PORTFOLIO REACHED PS. 7,873 MILLION, 50.3% HIGHER THAN THAT IN 4Q15.NON-PERFORMING LOANS STOOD AT 3.37% IN 4Q16, COMPARED WITH 4.18% IN 4Q15. ACTIVE CLIENTS REACHED 384,883, A 42.2% INCREASE COMPARED TO 4Q15.

O GROUP LOANS (CREDITO MUJER) PRODUCT REPRESENTED 60.8% OF THE CLIENTS SERVED IN PERU, ENDING THE PERIOD WITH 234,033 CLIENTS, 84.0% MORE CLIENTS THAN IN 4Q15.

COMPARTAMOS FINANCIERA REACHED A TOTAL OF 73 SERVICE OFFICES, 13 MORE OFFICES THAN IN 4Q15.

ON JANUARY 17, 2017, COMPARTAMOS FINANCIERA ISSUED S/. 70 MILLION IN THE PERUVIAN DEBT MARKET. THE TENOR OF THIS ISSUANCE IS ONE YEAR WITH AN INTEREST RATE OF 6.67% AND WAS OVERSUBSCRIBED BY1.68 TIMES. THIS ISSUANCE WAS, AS OF THE DATE OF THIS REPORT, THE MOST SUCCESSFUL ONE IN TERMS OF SIZE AND INTEREST RATE.RESULTS OF OPERATIONS

NET INTEREST INCOME AFTER PROVISIONSINTEREST INCOME GREW BY 51.5% COMPARED WITH 4Q15,REACHING PS. 632 MILLION. THIS INCREASE WAS SIMILAR TO THE LOAN PORTFOLIO GROWTH, WHICH REACHED 50.3% AT QUARTER-END.INTEREST EXPENSES INCREASED BY 45.9%, TO PS. 104 MILLION VERSUS 4Q15, BELOW THE 63.3% GROWTH IN LIABILITIES USED TO FUND THE PORTFOLIO.THIS WAS POSSIBLE AS A RESULT OF BETTER TERMS AND CONDITIONS IN CREDIT LINES. IN TERMS OF COST OF FUND, IT STOOD AT 6.92%.PROVISIONS FOR LOAN LOSSES REACHED PS. 114 MILLION, AN INCREASE OF 41.8% COMPARED TO THE PS. 81 MILLION REACHED IN 4Q15. PROVISIONS MOVED IN ACCORDANCE WITH THE RISK PROFILE OF THE PORTFOLIO.

DUE TO THE AFOREMENTIONED, NIM (NET INTEREST MARGIN) AFTER PROVISIONS(NII / AVERAGE YIELDING ASSETS) WAS 20.5% FOR 4Q16, COMPARED WITH 19.7% IN 4Q15

COMPARTAMOS FINANCIERA REACHED A COVERAGE RATIO OF 183.8% FOR 4Q16.NET OPERATING INCOME

COMMISSIONS AND FEE INCOME DURING 4Q16 REACHED PS. 29 MILLION, 26.7% HIGHERTHAN THAT REACHED IN 4Q15, MAINLY AS A RESULT OF PENALTY FEES CHARGED TO CLIENTS WITH DELINQUENT ACCOUNTS AND FEES OBTAINED FROM THE LIFE INSURANCE POLICIES SOLD DURING THE QUARTER.

COMMISSIONS AND FEE EXPENSES WERE PS. 6 MILLION, A GROWTH OF 30.6%, COMPARED TO PS. 4.6 MILLION REACHED IN 4Q15. THIS LINE REPRESENTED MAINLY THE COLLECTION AND DISBURSEMENT FEE COSTS CHARGED BY THIRD PARTIES.

OTHER OPERATING INCOME/EXPENSES STOOD AT PS. 17 MILLION, AN INCREASE OF PS. 6 MILLION, 50.0%, COMPARED TO 4Q15.

OPERATING EXPENSES WERE PS. 391 MILLION, 65.1% HIGHER THAN THAT IN 4Q15, DUE TO A LARGER INFRASTRUCTURE AT COMPARTAMOS FINANCIERA, WITH 73 SERVICE OFFICES IN 4Q16 THAT COMPARES FAVORABLY WITH THE 60 RECORDED IN 4Q15, AND A 31.7% LARGER SALES FORCE ORIENTED TO ADEQUATELY SERVE OUR CUSTOMERS IN THE GROUP LENDING METHODOLOGY.

NET OPERATING INCOME REACHED PS. 62 MILLION, A GROWTH OF 7.6% COMPARED WITH PS. 58 MILLION IN 4Q15.

NET INCOMEFOLLOWING THE AFOREMENTIONED, COMPARTAMOS FINANCIERA REPORTED A NET INCOME OF PS. 39 MILLION DURING 4Q16, 2.3% HIGHER THAN THE PS.38 MILLION RECORDED IN 4Q15. FOR THE FULL-YEAR 2016, NET INCOME WAS PS. 159 MILLION, AN INCREASE OF 6.6% COMPARED TO THE PS.149.1 MILLION GENERATED LAST YEAR.

COMPARTAMOS FINANCIERA (PERU)

INCOME STATEMENTFOR THE PERIOD ENDED DECEMBER 31, 2016

(IN MILLIONS OF MEXICAN PESOS)COMPARTAMOS FINANCIERAS FIGURES ARE REPORTED UNDER MEXICAN GAAP.

FIGURES ARE EXPRESSED IN MEXICAN PESO WITH ITS CORRESPONDING FX.

SOURCE: BANCO DE MEXICO AND BANCO CENTRAL DE PERU.

FINANCIERA (PERU)BALANCE SHEET

FOR THE PERIOD ENDED DECEMBER 31, 2016(IN MILLIONS OF MEXICAN PESOS)

COMPARTAMOS FINANCIERAS FIGURES ARE REPORTED UNDER MEXICAN GAAPFIGURES ARE EXPRESSED IN MEXICAN PESO WITH ITS CORRESPONDING FX

SOURCE: BANCO DE MEXICO AND BANCO CENTRAL DE PERUCOMPARTAMOS, S.A. (GUATEMALA)THE FOLLOWING SECTION SETS FORTH THE AUDITED FINANCIAL RESULTS FOR THE FOURTH QUARTER OF 2016 (4Q16) FOR COMPARTAMOS S.A., THE COMPANYS GUATEMALAN SUBSIDIARY. ALL FIGURES ARE EXPRESSED IN MEXICAN PESOS IN ACCORDANCE WITH MEXICAN ACCOUNTING PRINCIPLES AND REGULATIONS AND MAY VARY DUE TO ROUNDING.

FINANCIAL HIGHLIGHTS

FIGURES ARE EXPRESSED IN MEXICAN PESOS WITH ITS CORRESPONDING FX.

EXCHANGE RATE AS OF DECEMBER 31, 2016, FROM QUETZALES TO USD: 7.522

EXCHANGE RATE AS OF DECEMBER 31, 2016, FROM USD TO MXP: 20.619

PORTFOLIOAND NET INCOME ARE EXPRESSED IN MEXICAN PESOS (MILLIONS) AND WITH THEIR CORRESPONDING FX FOR THE QUARTER.

SOURCE: BANCODE GUATEMALA AND BANCO DE MEXICO.

4Q16 HIGHLIGHTS:

TOTAL LOAN PORTFOLIO REACHED PS. 572 MILLION, 40.0% HIGHER WHEN COMPARED WITH 4Q15.

NET INCOME FOR 4Q16STOOD AT PS. 13.7 MILLION COMPARED WITH PS. 23.0 MILLION IN 4Q15.

NON-PERFORMING LOANS STOOD AT 3.95% IN 4Q16, COMPARED WITH 2.23% IN 4Q15. ACTIVE CLIENTS REACHED 83,786, AN 11.0% INCREASE COMPARED TO 4Q15.

RESULTS OF OPERATIONSNET INTEREST INCOME - NII

NET INTEREST INCOME REACHED PS. 124.8 MILLION, AN INCREASE OF 40.4% COMPARED WITH PS. 88.9 MILLION IN 4Q15. THIS WAS THE RESULT OF SOLID PORTFOLIO GROWTH. AS PER PREVIOUS DISCUSSIONS, A PERCENTAGE OF COMPARTAMOS S.A.S TOTAL LOAN PORTFOLIO WAS PROVISIONED FOR THE PREVENTION OF ASSET DETERIORATION. IN 4Q16, PROVISIONS REACHED PS. 15.8 MILLION.NET OPERATING INCOME

COMMISSIONS AND FEE EXPENSES, INCLUDING COLLECTIONS, WERE PS. 1.8 MILLION. THIS LINE ITEM REPRESENTED THE FEES THAT COMPARTAMOS PAID TO THIRD PARTIES RELATED TO THE COLLECTION AND DISBURSEMENT OF ITS CREDITS.

OPERATING EXPENSES WERE PS. 94.1 MILLION, AN INCREASE OF PS. 44.6 MILLION, OR 90.0% WHEN COMPARED TO 4Q15. OPERATING EXPENSES WERETHE RESULT OF A LARGER NUMBER OF SERVICE OFFICES, ENDING THE 4Q16 WITH 45 VERSUS 31 IN 4Q15, AND A LARGER SALES FORCE WHICH GREW BY 51.1% COMPARED WITH 4Q15.NET INCOME

COMPARTAMOS REPORTED NET INCOME OF PS. 13.7 MILLION DURING THE FOURTH QUARTER COMPARED WITH PS. 23.0 MILLION REACHED IN 4Q15.

FOR THE FULL-YEAR 2016, NET INCOME WAS PS. 48.9 MILLION, AN INCREASE OF MORE THAN 3 TIMES WHEN COMPARED TO THE PS. 15.3 MILLION RECORDED IN 2015.

COMPARTAMOS, S.A. (GUATEMALA)INCOME STATEMENT

FOR THE PERIOD ENDED DECEMBER 31, 2016(IN MILLIONS OF MEXICAN PESOS)

FIGURES ARE EXPRESSED IN MILLIONS OF MEXICAN PESOS WITH THEIR CORRESPONDINGFX FOR THE QUARTER

COMPARTAMOS, S.A. (GUATEMALA)

BALANCE SHEET

FOR THE PERIOD ENDED DECEMBER 31, 2016

(IN MILLIONS OF MEXICAN PESOS)

FIGURES ARE EXPRESSED IN MEXICAN PESOS (MILLIONS) WITH THEIR CORRESPONDING FX FOR THE QUARTER.

***

ABOUT GENTERAGENTERA, S.A.B. DE C.V. (FORMERLY COMPARTAMOS, S.A.B. DE C.V.) IS A HOLDING COMPANY WHOSE PRIMARYOBJECTIVE IS TO PROMOTE, ORGANIZE AND MANAGE COMPANIES, DOMESTIC AND INTERNATIONAL, THAT ARE SUBJECT TO ITS INVESTMENT POLICIES. GENTERA WAS ESTABLISHED IN 2010 AND IS HEADQUARTERED IN MEXICO. ITS STOCK BEGAN TRADING ON THE MEXICAN STOCK EXCHANGE ON DECEMBER 24, 2010 UNDER THE TICKER SYMBOL COMPARC*. ON JANUARY 2, 2014, THE TICKER SYMBOL WAS CHANGED TO GENTERA*. NOTE ON FORWARD-LOOKING STATEMENTS

THIS PRESS RELEASE MAY CONTAINFORWARD-LOOKING STATEMENTS. THESE STATEMENTS ARE STATEMENTS THAT ARE NOT HISTORICAL FACTS, AND ARE BASED ON MANAGEMENTS CURRENT VIEW AND ESTIMATES OF FUTURE ECO