| External Assurance Page. 109 to 111 |
Page | Description | 2014 Declaration | |
| G4 DISCLOSURES | ||||
| ANALYSIS AND STRATEGY | ||||
| G4-1 | ✔ | 6-15,92-93 | Declaration of primary responsible for decisions of the organization on the relevance of sustainability for the institution and the strategy to addressing this issue. | Messages from the President, General Management and Executive Management of Social Responsibility |
| G4-2 | ✔ | 6-15,92-93 | Describe the main effects, risks and opportunities. | Messages from the President, General Management and Executive Management of Social Responsibility |
| ORGANIZATION PROFILE | ||||
| G4-3 | ✔ | 2-3 | Name of the organization. | Company profile |
| G4-4 | ✔ | 2-3, 27-29, 44-45 | The organization’s most important brands, products and services. | Company profile, Intellectual Capital |
| G4-5 | ✔ | 2, 4-5 | Location of the organization’s headquarters. | Company profile |
| G4-6 | ✔ | 4-5 | Number of countries in which the organization operates or which have specific relevance to sustainability issues reported. | Company profile |
| G4-7 | ✔ | 5 | Nature of ownership and legality. | Company profile |
| G4-8 | ✔ | 4-5, 44-59 | Markets served (with geographic breakdown, by sectors and types of clients and recipients). | Company profile, Our offer of value |
| G4-9 (1) | ✔ | 16-19, 72-73, 78-79 | Dimensions of the organization (employees, net sales, total capitalization, etc.) | Relevant figures, Economic value, Social value |
| G4-10 (2) | ✔ | 78-79 | Number of employees by employment contract, by region and gender. | Social value |
| G4-11 | ✔ | 78 | Percentage of employees covered by collective agreements. | Social value |
| G4-12 | ✔ | 82 | Describe the organization’s supply chain. | Social value |
| G4-13 | ✔ | 6-15 | Significant changes during the period reviewed in the size, structure, shareholder property or the supply chain for the organization. | Messages from the President and General Management |
| G4-14 | ✔ | — | How the organization addresses, where appropriate, the precautionary principle. | There are no studies on risks and environmental impact for new investments or products, however, measures are taken in the construction of new branches for the mitigation of environment impact such as:
|
| G4-15 | ✔ | 90 | Letters, principles or other external initiatives of economic, environmental and social character that the organization subscribes to or has taken. | External initiatives |
| G4-16 | ✔ | — | Major associations and national or international advocacy organizations the organization belongs to. | Through its respective business units, GFNorte has an active presence in different associations:
|
| G4-17 | ✔ | 5 | Entities included in the consolidated financial statements of the organization and other equivalent documents. | Corporate structure |
| G4-18 | ✔ | 69 | Describe the process followed to determine the contents of memorandums and the coverage of every aspect | Materiality |
| G4-19 | ✔ | 69 | Material aspects identified during the process of definition of memorandum contents. | Materiality |
| G4-20 | ✔ | 95 | Indicate the internal coverage of the organization of every material aspect. | For more information on our Materiality Study, consult our 2013 Annual Report at: www.banorte.com/informeanual2013, page14. |
| G4-21 | ✔ | 95 | Indicate the external coverage of the organization of every material aspect. | For more information on our Materiality Study, consult our 2013 Annual Report at: www.banorte.com/informeanual2013, page.16. |
| G4-22 | ✔ | 95 | Consequences of the reformulating information provided in earlier reports and its causes. | There is no need of reformulate due to the fact that there were no acquisitions or mergers during the period. |
| G4-23 | ✔ | 84, 86, 95 | Significant changes in the scope and coverage of every aspect in relation to earlier reports. | Any significant changes or re-evaluation of data is referred as a note in corresponding cases: p. 84 ‘Total Energy Consumption” table, p. 86 “Global Emissions in Tons of CO2 Emissions” table. |
| STAKEHOLDER ENGAGEMENT | ||||
| G4-24 | ✔ | 70-71 | Stakeholders linked to the organization. | Stakeholder engagement |
| G4-25 | ✔ | 70-71 | Basis to identify and select stakeholders with whom we work. | Stakeholder engagement |
| G4-26 | ✔ | 70-71 | Participation of stakeholders, including how often they collaborate with different types and groups of stakeholders. | Stakeholder engagement |
| G4-27 | ✔ | 70-71 | Key issues and problems that have come up as a result of stakeholders’ participation and assessment made by the organization, among other aspects, through memorandums. Specify which stakeholders raised each key issue and problem. | Stakeholder engagement |
| Report PROFILE | ||||
| G4-28 | ✔ | — | Reporting period for the memorandum (e.g., fiscal year or calendar year). | This 2014 Annual Report is for the period from January 1st to December 31st, 2014. |
| G4-29 | ✔ | — | Date of the last report (if applicable). | The 2013 Annual Report for Grupo Financiero Banorte was presented immediately prior to this report. |
| G4-30 | ✔ | — | Reporting cycle (annual, biennial, etc.). | Annual |
| G4-31 | ✔ | Inside back cover | Contact to resolve any doubts that may arise in relation to the contents of the memorandum. | — |
| G4-32 | ✔ | 94-105 | Chart indicating location of the basic contents of the memorandum, and the option “in accordance” with the Guide the organization has selected. | We adhere to the comprehensive compliance option, reporting all general and specific indicators, based on the GRI G4 Aspects defined as materials, as well as the Financial Services Sector Supplement; In addition, we are committed to continue to work on strengthening compliance with the principles of report preparation, to continue with the materiality exercise and followup on aspects and materiality issues during the course of the year. The Letter of Verification is attached. To learn more about our external assurance process, refer to the G4-33 Disclosure |
| G4-33 | ✔ | 109-111 | Policy and current practices of the organization with respect to the external assurance of memorandum. | External assurance is being performed by the consultancy company Deloitte (Galaz, Yamazaki, Ruiz Urquiza, S.C.) The scope of this assurance is found in the Independent Assurance Report.The company has a selection process for the verifying firm. It is subsequently subjected to an audit by the Audit and Corporate Practices Committee and finally ratified by the Board of Directors. Third party verification is important to provide assurance of the data presented in the annual report. |
| GOVERNANCE | ||||
| G4-34 | ✔ | 60 | The organization’s governing structure and that of top governing committees. Indicate what committees are responsible for decision-making on economic, environmental and social issues. | Corporate governance |
| G4-35 | ✔ | 61 | Process by which the superior governing body delegates authority to senior management and certain employees for issues of an economic, environmental and social nature. | Corporate governance |
| G4-36 | ✔ | 67 | Executive responsibilities or with responsibility for economic, environmental and social issues, and if they are answerable directly to the highest governing authority. | Corporate governance |
| G4-37 | ✔ | 68, 70-71 | Consultation processes between stakeholders and the highest governing body of authority with respect to economic, environmental and social issues. | Sustainable management, corporate governance, stakeholders. The relationship and dialogue with various stakeholders, led by the head of each department, with a periodicity that the natural relationship implies. In the case of a topic that, by its importance, must be submitted to the Board of Directors, is given same consideration. |
| G4-38 | ✔ | 60 | Composition of the highest governing body and of its committees. | Corporate governance |
| G4-39 | ✔ | — | Indicate if the person who presides over the top governing body also holds an executive position. | Not reported |
| G4-40 | ✔ | — | Nomination and selection processes for the top governing authority and its committees, as well as the criteria on which the appointment and member selection is based. | For more information go to: www.banorte.com/gobiernocorporativo |
| G4-41 | ✔ | — | Processes by which the superior governing body prevents and manages potential conflicts of interest. | GFNorte’s bylaws include that “members and, if the case, the Secretary of the Board of Directors, who have a conflict of interest in any matter, shall refrain from participating and be present at the deliberation and vote on such matters, without affecting the quorum required for the aforementioned Council.” |
| G4-42 | ✔ | 61 | Functions of the superior governing body and senior management in the development, approval and update of the purpose, values or mission statements, strategies, policies and objectives relating to economic, environmental and social impacts of the organization. | Corporate governance |
| G4-43 | ✔ | 68 | Measures taken to develop and improve the collective knowledge of the superior governing body with respect to economic, environmental and social matters. | Sustainable management |
| G4-44 | ✔ | — | Processes for evaluating the performance of the superior governing body in relation to the govern-ance of economic, environmental and social issues. | Internal and confidential information |
| G4-45 | ✔ | 68 | Describe the function of the superior governing body in the identification and management of impacts, risks and opportunities of economic, environmental and social natures. | Sustainable management |
| G4-46 | ✔ | 68 | Describe the function of the superior governing body in the analysis of the effectiveness of the organization’s risk management processes in relation to economic, environmental and social matters. | Sustainable management |
| G4-47 | ✔ | — | Frequency with which the superior governing body analyzes the impacts, risks and opportunities of economic, environmental and social matters. | During the various sessions of the Board of Directors, subject to availability in the agenda, a space is assigned for the review and management of impacts, risks and opportunities of economic, social and environmental character. |
| G4-48 | ✔ | — | Committee or charge of greater importance that reviews and approves the sustainability memorandum of the organization and ensures that all material aspects are reflected. | The Executive Management of Social Responsibility approves the Annual Report. |
| G4-49 | ✔ | 68 | Process to transmit important concerns to the superior governing body. | Sustainable management |
| G4-50 | ✔ | — | Nature and number of important concerns that were transmitted to the superior governing body; also describing the mechanisms used to approach and evaluate them. | Confidential information because it represents a direct impact on our business strategy. |
| G4-51 | ✔ | — | Remuneration policies for the superior governing body and senior management. | The Shareholders’ Assembly establishes the remunerations that members of GFNorte’s Board earn in their ordinary sessions, which are usually held each April. |
| G4-52 | — | Processes by which remuneration is determined. Indicates if consultants were used, and whether these are independent of management. | The Shareholders’ Assembly establishes the remunerations that members of GFNorte’s Board earn in their ordinary sessions, which are usually held each April. | |
| G4-53 | ✔ | — | How to request and take into account stakeholders’ views with regards to remunerations, including, if the case, voting results on policies and proposals related to this issue. | Channels of communication with the different stakeholders are kept open to receive comments on the matter. |
| G4-54 | ✔ | — | Relation between the total annual compensation of the best paid person in the organization of every country where significant transactions are carried out, with the average annual total compensation of all personnel (not counting the best paid person) of the corresponding country. | The ratio that executive directors’ salaries have with respect to the average salary of the rest of the staff is 8.0 times the base salary. The methodology consists in grouping different management levels on the one hand to obtain their average compensation and on the other, to group different levels of staff to get their average compensation. With the aforementioned figures, the average compensation for executive directors is divided by the compensation for the rest of the staff to obtain the ratio. |
| G4-55 | ✔ | — | Relation between the percentage increase in the total annual remuneration of the best paid person in the organization with the percentage increase in the annual total compensation average of the entire labor force (not counting the best paid person) of the corresponding country. | Not applicable, since the best-paid individual has not had an increase in remuneration during the period of time in question. |
| ETHICS AND INTEGRITY | ||||
| G4-56 | ✔ | Inside front cover, 61 | The organization’s values, principles, standards and regulations, such as Codes of Conduct or Ethical Codes. | Company profile, Corporate governance, www.banorte.com/gobiernocorporativo |
| G4-57 | ✔ | — | Internal and external advisory mechanisms for lawful and ethical conduct, and for issues related to the integrity of the organization, such as hotlines for help or advice. | All employees have access to Ethics Points, an external complaint system that provides transparency on issues of ethics and legality. |
| G4-58 | ✔ | — | Internal and external mechanisms for reporting unethical or illegal behavior and integrity issues of the organization, such as staggered notifications to managing directors, whistleblowing mechanisms or telephone help lines. | All employees have access to Ethics Points, an external complaint system that provides transparency on issues of ethics and legality. |
| G4-DMA | 92-93 | Indicate why the aspect is important. | Message from Executive Management of Social Responsibility | |
| GRI G4 / SPECIFIC STANDAR DISCLOSURES | ||||
| ECONOMIC DIMENSION: ECONOMIC PERFORMANCE INDICATORS | ||||
| G4-EC1 | ✔ | 16-19, 30-33, 35-37, 72-73, 78-83 | Direct economic value generated and distributed, including revenues, operating costs, remuneration to employees, donations and other investments in the community, undistributed profits and payments to suppliers of capital and Governments. | In a move to introduce the contents of this indicator according to the formula proposed by the GRI, we are only showing the most relevant investments that we have made in GFNorte. Relevant figures, human capital, social capital, economic value, social value. |
| G4-EC3 | ✔ | 80 | Coverage of the organization’s obligations resulting from the benefit plan. | Social value |
| Market presence | ||||
| G4-EC5 | ✔ | — | Relation between the initial salary broken down by gender and local minimum wages in places where significant transactions are carried out. | Minimum salary in zone A: $6,810 Post: Mixed Teller Tabulators at the national level |
| G4-EC7 | ✔ | 37, 83 | Development and impact of investments in infrastructure and types of services. | Social Capital, Social Value |
| G4-EC8 | 42-43 | Significant indirect economic impacts and reaches thereof. | Mexico, a great opportunity | |
| G4-DMA EC | 34-37, 78-83 | Explain the strategy of community investment, related to the data reported in investment in the community. | Social Capital, Social Value | |
| ENVIRONMENTAL DIMENSION: ENVIRONMENTAL PERFORMANCE INDICATORS | ||||
| Materials | ||||
| G4-DMA EN | ✔ | 84 | Disclosures on management approach. | Environmental value |
| G4-EN1 | ✔ | 40-41, 87 | Materials used by weight or volume. | Natural capital, Environmental value |
| Energy | ||||
| G4-EN3 | ✔ | 84 | Internal energy consumption broken down by primary sources. | Environmental value |
| G4-EN5 | ✔ | 84-85 | Energy intensity. | Environmental value |
| G4-EN6 | ✔ | 39-41, 85 | Energy savings due to conservation and improvements in efficiency and initiatives to reduce indirect energy consumption and reductions achieved with these initiatives. | Natural capital, Environmental value |
| Water | ||||
| G4-EN8 | ✔ | 39-41, 87 | Total uptake of water by source. | Natural capital, Environmental value |
| Biodiversity | ||||
| G4-EN11 | ✔ | 88 | Operating facilities that are owned, leased, managed to be adjacent, containing, or located in protected areas and unprotected areas of great value to biodiversity. | Environmental value |
| G4-EN14 | ✔ | 88-89 | The number of species included on the IUCN’s red list and national conservation listings whose habitats are found in areas affected by operations, depending on the level of danger of extinction of the species. | Environmental value |
| Emissions | ||||
| G4-EN15 | ✔ | 86-87 | Direct emissions of greenhouse gases (due to business trips, using company transportation or messenger services). | Environmental value |
| G4-EN16 | ✔ | 86-87 | Indirect greenhouse gas emissions when generating power. | Environmental value |
| G4-EN17 | ✔ | 86-87 | Other indirect greenhouse gas emissions (from business trips, using company transportation or messenger services). | Environmental value |
| G4-EN18 | ✔ | 86-87 | Intensity of greenhouse gas emissions. | Environmental value |
| G4-EN19 | ✔ | 86-87 | Initiatives to reduce GHG emissions, and reductions achieved. | Environmental value |
| G4-EN23 | ✔ | 87 | Total weight of waste managed, depending on the type and treatment method (paper and waste). | Environmental value |
| Products and services | ||||
| G4-EN27 | ✔ | 87 | Degree of mitigation of the environmental impact of products and services. | Risk management |
| G4-EN29 | ✔ | — | Monetary value of significant fines and number of non-monetary sanctions for non-compliance with laws and environmental regulations. | GFNorte did not receive environmental fines in 2013. |
| Transporting | ||||
| G4-EN30 | ✔ | 87 | Significant environmental impacts of transporting products and other goods and materials used for the organization’s activities, as well as transportation of personnel. | Environmental value |
| General | ||||
| G4-EN31 | ✔ | 90 | Breakdown of costs and environmental investments. | Environmental value |
| Environmental assessment of suppliers | ||||
| G4-EN32 | ✔ | — | Percentage of new suppliers who are examined on the basis of environmental criteria. | There are no test procedures based on environmental criteria; However, since the 2nds semester of 2012, suppliers were encouraged to maintain healthy human rights, labor, environmental and anticorruption practices, including a clause in new contracts and renewals, whereby they manifest their commitment to comply with the Global Compact Principles (without signifying their adherence). Today we have 1,782 suppliers’ contracts with suppliers in which this commitment is declared. |
| G4-EN34 | ✔ | — | Number of grievances about environmental impacts filed, addressed, and resolved through formal grievance mechanisms | GFNorte has not received any complaint on environmental impacts. |
| SOCIAL DIMENSION: SOCIAL PERFORMANCE INDICATORS | ||||
| Employment | ||||
| G4-DMA LA | 80 | Policies and practices related to threats or violence in the workplace to help employees, their family or community, in cases of attacks or aggression (verbal or physical) by customers, armed robbery, kidnapping, etc. | Social value | |
| G4-LA1 (3) | ✔ | 79 | Number and rate of recruitment and rotation of employees, broken down by age group, gender and region | Social value |
| G4-LA2 | ✔ | 80 | Social benefits for full-time employees that are not offered to temporary or part-time employees, broken down by locations with significant activity. | Social value |
| G4-LA3 | ✔ | — | Return to work and retention rates after completion of maternity or paternity leave, broken down by gender. | During the year there were 375 requests for maternity leave, 188 paternity permissions and the return rate was 100%. |
| Health and safety on the job | ||||
| G4-LA5 | ✔ | — | Percentage of workers represented in joint formal committees of health and safety for management and employees, established to help monitor and advise on occupational health and safety programs. | 3,791 employees brigades were trained in 2014 in Banorte - Ixe buildings and branches - a total of 197 events in 17 regions of the country on issues such as:
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| G4-LA6 | ✔ | 80 | Rates of injury and types, occupational illness, days lost, absenteeism and death toll related to work by region and gender. | Social value |
| Training and education | ||||
| G4-LA9 (4) | ✔ | 31-33, 81 | Average hours of training per year per employee, broken down by gender and by job category. | Human capital, Social value |
| G4-LA10 | ✔ | 31-33, 81 | Programs for skills management and training to foster employability of workers and help them to manage the end of their careers. | Human capital, Social value |
| G4-LA11 | ✔ | 81 | Percentage of employees receiving regular performance and professional development assessments, broken down by gender and by professional category. | Social value |
| G4-LA12 (5) | ✔ | 61, 79 | Composition of governing bodies and breakdown of the workforce by professional category and gender, age, minority membership, and other indicators of diversity. | Corporate governance |
| G4-LA13 | ✔ | 79 | Relation between base salary of men with respect to women, disaggregated by professional category and locations of significant activity. | Social value. At GFNorte, there is no gender distinction for salaries; differences are due to the value that a vacant position has at that time, without any gender influence. |
| Supplier assessment for labor practices | ||||
| G4-LA14 (6) | ✔ | 82 | Percentage of new suppliers who were assessed on the basis of criteria relating to labor practices. | Social value |
| Labor practices grievance mechanisms | ||||
| G4-LA16 | ✔ | — | Number of grievances about labor practices filed, addressed, and resolved through formal grievance mechanisms. | We have a confidential and anonymous complaints system, Ethic Points, to address cases of corruption and those who violate sound business practices. In 2014, there were 287complaints filed: 87% correspond to Human Resources and 13% to Internal Control. It is worth mentioning that no complaint was filed for discrimination. Complaints in matters of Human Resources correspond to the following classifications: discrimination or harassment; violation of policies and conducts; bad behavior; violence; threat or theft and unsafe working conditions. In terms of Internal Control, the existing classifications are: operational issues, false accounting, erroneous information, illicit enrichment, and falsification of contracts or records. |
| HUMAN RIGHTS | ||||
| Investment | ||||
| G4-HR1 | ✔ | — | Number and percentage of contracts and significant investment agreements that include human rights’ clauses or that have been analyzed in human rights’ matters. | We have no investment agreements, but we do have 1,782 contracts with suppliers in which they have declared their commitment to knowledge and fulfillment of the Global Compact Principles (without signifying their adherence). |
| G4-HR2 | ✔ | — | Hours of employee training on policies and procedures related to those human rights’ aspects relevant to operations, including the percentage of employees trained | In 2014, 13,538 hours of training activities in the area of human rights were conducted which represents 64% of employees trained in this subject. |
| G4-HR3 | ✔ | — | The number of cases of discrimination and corrective measures taken. | No complaints of this type were recorded in 2014. |
| G4-HR7 | ✔ | 81 | Percentage of security personnel who received training on the organization’s policies and procedures in the field of human rights relevant to operations. | Social value |
| G4-HR10 | ✔ | — | Percentage of new suppliers who were assessed on the basis of criteria relating to human rights. | There are no test procedures based on human rights’ criteria; However, since the 2nd semester of 2012, suppliers were encouraged to maintain healthy human rights, labor, environmental and anti-corruption practices, including a clause in new con-tracts and renewals, whereby they manifest their commitment to comply with the Global Compact Principles (without signifying their adherence). Today we have 1,782 contracts with suppliers in which this commitment is declared. |
| G4-HR12 | ✔ | — | Number of grievances about human rights impacts filed, addressed, and resolved through formal grievance mechanisms. | We have a confidential and anonymous complaints system, Ethic Points, to address cases of corruption and those who violate sound business practices. In 2014, there were 287complaints filed: 87% correspond to Human Resources and 13% to Internal Control. It is worth mentioning that no complaint was filed for discrimination. Complaints in matters of Human Resources correspond to the following classifications: discrimination or harassment; violation of policies and conducts; bad behavior; violence; threat or theft and unsafe working conditions. In terms of Internal Control, the existing classifications are: operational issues, false accounting, erroneous information, illicit enrichment, and falsification of contracts or records. |
| SOCIETY | ||||
| Anti-corruption | ||||
| G4-SO1 | ✔ | 88 | Percentage of centers where development programs, impact assessments and participation in the local community have been implemented. | Environmental value |
| G4-SO4 | ✔ | — | Communication and training on anti-corruption policies and procedures. | Our staff receives training and constant updates on the prevention of money laundering. In addition to this, there is constant communication to promote the Ethic Points complaint system as a mechanism to report corruption. 17,555 employees have received training on prevention of money laundering issues. |
| G4-SO5 | ✔ | — | Confirmed cases of corruption and measures taken. | In general, resolutions implemented this year for cases addressed through the Ethic Points complaint system, for both Human Resources and Internal Control were:
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| G4-SO7 | ✔ | — | Number of lawsuits for unfair competition, monopolistic practices or against free competition and results of the same. | No lawsuit for this concept has been filed. |
| G4-SO8 | ✔ | — | Monetary value of significant fines and number of non-monetary sanctions for non-compliance with laws and regulations. | During the year 264 fines were paid for a total of Ps $2,233,207.50 made up of overdue property taxes for buildings foreclosed by the Bank and fines for: SAT, INFONAVIT, CNBV, CONDUSEF and the Bank of Mexico. |
| G4-SO9 | ✔ | — | Percentage of new suppliers who are assessed on the basis of criteria related to social impact. | There are no test procedures based on social criteria; However, since the 2nd semester of 2012, suppliers were encouraged to maintain healthy human rights, labor, environmental and anticorruption practices, including a clause in new contracts and renewals, whereby they manifest their commitment to comply with the Global Compact Principles (without signifying their adherence). Today we have 1,782 contracts with suppliers in which this commitment is declared. |
| G4-SO11 | ✔ | — | Number of grievances about impacts on society filed, addressed, and resolved through formal grievance mechanisms. | GFNorte has received no complaint on social impacts. |
| PRODUCT LIABILITY | ||||
| Labeling of products and services | ||||
| G4-PR5 | ✔ | 29 | Results of surveys measuring customer satisfaction. | Intellectual capital |
| G4-PR7 | ✔ | — | Number of cases of noncompliance with regulations or voluntary codes related to marketing communications, such as advertising, promotion and sponsorship, brokendown according to the type of result. | No fines for advertising, promotion or sponsorship were issued. |
| G4-PR8 | ✔ | — | Total number of substantiated complaints regarding breaches of customer privacy and losses of customer data. | No complaints for violation of privacy or leaking client data were filed. |
| G4-PR9 | ✔ | — | Monetary value of significant fines as a result of noncompliance with regulations related the supply and use of products and services. | No fines related to the supply and use of products and services were issued to GFNorte in 2013. |
| FINANCIAL SUPPLEMENT | ||||
| FS1 | ✔ | 84 | Policies with specific environmental and social components applied to business lines. | Environmental value |
| FS2 | ✔ | — | Procedures for the evaluation and selection of environmental and social risks in lines of business. | We have two frameworks for socioenvironmental analysis and risk management: the Social and Environmental Management system SEMS (for Corporate and Business Banking) and the Equator Principles for all areas of the bank. With these methodologies we generate an analysis prior to supporting a project through our own financing or third party financing.
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| FS3 | ✔ | 76-77 | Processes to monitor implementation and compliance with environmental and social requirements included in agreements or transactions with customers. | Economic value |
| FS4 | ✔ | — | Processes to improve personnel competence in implementing environmental and social policies and procedures applicable to lines of business. | Banorte’s area of Social Responsibility has a staff with field experience, who are responsible for providing training to teams distributed in all the territories where we operate, and whose activities are related to the placement of loans. |
| FS5 | ✔ | 76-77 | Interactions with customers in terms of environmental and social opportunities and risks. | Economic value |
| FS8 | ✔ | — | Monetary value of products and services designed to deliver a specific environmental benefit for each line of business by objectives. | Products designed to deliver a specific environmental benefit are not currently available. |
| FS10 | ✔ | — | Percentage and number of companies in the institution’s portfolio with which interactions on environmental or social issues have been carried out. | Departments: Corporate and Business Banking and Structured Financing. 199 companies in the Corporate and Business Banking and Structured Financing portfolio were attended to which generated 208 recommendations for improving the efficiency of project activities on socioenvironmental issues and the realization of 30 due diligences including areas of opportunity to improve the client’s environmental performance. We do not have information on the total portfolio volume of companies in order to establish the percentage that this data represents. |
| FS11 | ✔ | 76-77 | Percentage of assets subject to social or environmental review, positive as well as negative. | Economic value |
| FS13 | ✔ | 4 | Points of access in scarcely populated or economically disadvantaged areas described by type. | Banorte infrastructure |
| FS14 | ✔ | 4 | Initiatives to improve access to financial services for the disadvantaged. | No initiatives to improve access to financial services for the disadvantaged have been reported. |
| FS15 | ✔ | 36 | Policies for the design and sale of financial products and services in a fair and reasonable manner. | There is no specific policy for the design and supply of services and financial products; However, we adhere to all Internal Control policies of the financial group. |
| FS16 | ✔ | — | Initiatives to improve financial education by type of beneficiary. | A campaign of internal communication to employees was implemented, in order to promote basic concepts. |