MEXICO CITY, NOVEMBER 10TH, 2017. CREDITO REAL, S.A.B. DE C.V., SOFOM, E.R. ("CREDITO REAL"), ANNOUNCES THAT CREDITO REAL HELD ITS "INVESTOR DAY" TODAY. THE EVENT BROUGHT TOGETHER INVESTORS, ANALYSTS AND VARIOUS FINANCIAL MARKET PARTICIPANTS AT A MEETING WHERE CREDITO REAL'S MANAGEMENT SHARED ITS VIEW ON THE CURRENT ENVIRONMENT AND OUTLINED THE OVERALL STRATEGY THAT WILL BE FOLLOWED TO MEET ITS GROWTH TARGETS. THE MOST OUTSTANDING POINTS COVERED IN THE EVENT WERE THE FOLLOWING:- CREDITO REAL REAFFIRMED ITS STRATEGY BASED ON: I) THE ESTABLISHMENT OF STRATEGIC PARTNERSHIPS THAT ENHANCES ITS COMMERCIAL FOOTPRINT; II) A SELECTIVE CREDIT ORIGINATION POLICY, REFLECTED IN A LOW AND STABLE NPL RATIO; AND, III) A DIVERSIFIED CONSOLIDATED CREDIT PORTFOLIO BOTH GEOGRAPHICALLY AND BY PRODUCT.

- FURTHERMORE, CREDITO REAL CONFIRMED THAT IS WELL POSITIONED TO FACE CURRENT MARKET CHALLENGES, HAVING A LOW EXPOSURE TO FX FLUCTUATION RISKS DUE ITS NATURAL CURRENCY HEDGE. ADDITIONALLY, OVER 50% OF CREDITO REAL'S DEBT IS AT A FIXED INTEREST RATE, WHICH MINIMIZES THE EFFECT OF CHANGES IN INTEREST RATES ON CURRENT EARNINGS. REGARDING THE POSSIBLE OUTCOME SCENARIOS OF BOTH NAFTA NEGOTIATIONS AND 2018 MEXICO'S PRESIDENTIAL ELECTIONS, CREDITO REAL ANTICIPATES A LIMITED IMPACT ON ITS FINANCIAL PERFORMANCE.- CREDITO REAL EXPECTS TO REACH A CONSOLIDATED LOAN PORTFOLIO OF PS.56,000 MILLION BY 2022, OF WHICH 50% WOULD BE IN MEXICO AND THE REMAINING 50% IN INTERNATIONAL MARKETS, WHILE MAINTAINING A LOW NON-PERFORMING LOAN PORTFOLIO WITHIN A RANGE OF 2% TO 3%. THIS GROWTH WILL BE DRIVEN BY ORGANI