HISTORY

25 years exceeding limits

1995 First public debt issuance.

2004 We started operations with credits paid through payroll deductions.

2010 We issued our first International Bond in an amount of US$210mm, 10.25%.

2012 Our introduction into the Mexican Stock Exchange (BMV). We started the credit business for SMEs and used vehicles. We acquired 49% of Crédito Maestro.

2014 We placed an international bond in the amount of US$425mm, 7.5% expiring in 2019. Operation 6 times over the subscribed one. We were awarded the distinction of "Socially Responsible Company" (ESR) and the certifications “International GRI” and “GREAT PLACE TO WORK” (GPTW). We acquired the remaining 51% of the Kondinero distributor in exchange of 5% of the capital of Crédito Real. Crédito Real became part of “Mexico Small-Cap Index” (MSCI). The Institutional Investor Magazine named Crédito Real within the LATAM ranking for: Best Managerial Team such as CEO, CFO, Director of Relationship with Investors and Department of Relationship with Investors.

2016 We acquired 70% of Instacredit (financial company with presence in Costa Rica, Nicaragua and Panama).

1993 We started operations as a credit institution for consumer durables.

1999 We provided the service to the first 100,000 customers

2007 We associated with Nexxus Capital Private Equity and started operations for group credits.

2011 We acquired 49% of Kondinero in exchange of 18.8% of the capital of Crédito Real. We acquired 49% of Credifiel.

2013 Launching of the Crédito Real trademark under the slogan "Rebasa tus límites" [Exceed your limits]. We are acknowledged as 1 of the 100 best financial companies in the world.

2015 We acquired 65% of AFS Acceptance LLC (Car financing institution in US) to escalate its used car business in the United States. We associated with Grupo Resuelve. We successfully issued stock exchange certificates for Ps. 1,000 million. Operation 1.7 times over the subscribed one. The Institutional Investor Magazine gave us the 2nd place in Latin America in the category of best Area of Relationship with Investors and the 3rd place as the best Director of Relationship with Investors. Our remembrance and branding reached 55%. Second consecutive year receiving the distinction of "Socially Responsible Company" (ESR) and the certifications “Internacional GRI” and “GREAT PLACE TO WORK” (GPTW).

2017 Thanks to the effort, competitiveness and strength characterizing us, we were recognized by the Mexican Stock Exchange as the company with the best rating in Governance. We are still exceeding our limits!