During 2021 we included in our 2020-2025 Strategic Plan tactics that allowed us to maintain a clear path to achieve its fulfillment. Continuing our 2020 efforts, we keep strengthening our capitalization and liquidity index, as well as adequately managing our past-due portfolio. This year we also monitored the claims rate of medical expenses and life policies.

This strategic document details the business model of B×+, which is based on differentiation and specialization, establishing our four pillars.

The first pillar, Clients Business, is focused on providing solutions for companies and individuals. We defined specific objectives for each segment: for companies, we offer tools that satisfy their financing and liquidity needs. In the case of individuals, we manage their investments to maximize their returns. In both cases, we seek to deeply know each client to provide personalized attention and become their strategic partners.

In it, we included a wide array of financial products and services; a crucial element are the digital channels that allow us to simplify our clients’ operations and which we are constantly strengthening, incorporating more and more features.

Our second pillar, Product Business, is composed of specialized channels, operated by four business units: Leasing, Exchange, Mortgage and Insurance, each with their own specialized sales force, generating synergies within the group and focused on providing timely advice for our clients.

The third pillar is known as Inorganic Growth; here we identify emerging market opportunities in order to execute strategic acquisitions that consolidate our business model.

The fourth pillar is centered around Infrastructure and Support Services, and it is composed of five elements. The first one, human capital, promotes organizational clarity and our employees’ business alignment. Infrastructure strengthening, as a second component, allows us to have a greater degree of automation and open architecture. The third aspect seeks to open more business centers and thus, increase our geographic presence. The fourth element contemplates talent attraction and development, and lastly, the fifth component, endeavors to strengthen the innovation platform.