Mexico is in a situation of positive economic growth over the next few years, thanks to the recent constitutional reforms and the efficient handling of the economic bases. In this context, the country's banking system has the financial strength required to promote Mexico's transformation toward sustainable development.

The stability of the main macroeconomic variables and the reforms focused on improving the competitiveness of the country will facilitate an increase in investments, both domestic and international, in areas with high growth potential. This investment process will include, of course, the solid support of Mexico's banking system.

The reform of the financial sector, in particular, proposes a legal framework that will boost credit expansion and growth. The possibility of the next expansion is based, by far, on the ability of financial institutions in Mexico to meet new challenges.

Today, as we have seen in each day´s performance over the last few years, Mexico has a well-capitalized banking system, a large and modern infrastructure, qualified personnel and is highly competitive. Today, we serve all the economic segments and sectors through 48 banking institutions.

Although Mexico requires a higher growth rate, in the banking sector, we are convinced that this growth must be based on the sustainable development of the economy. This is a development based on the balance and the ideal rate of growth among the economic, social and environmental aspects, to make Mexico a more prosperous country.

There is much that the bank in Mexico can provide every day to the development of our country. In 2013, our associates implemented several programs aimed at improving the care of their customers, developing new products and strengthening the coverage of their banking services. Today we have the largest number of branches ever and an extensive network of correspondent banks, which favors the financial inclusion that is essential to a just and sustainable growth.

In 2013, we increased investments in financial education and provided broad social support to many communities that had suffered the effects of exceptionally adverse weather conditions. Similarly, we maintained a growing investment to facilitate access to education and to preserve and disseminate the cultural values of Mexicans, which are essential elements to strengthen the social fabric and national identity.

We also launched numerous programs focused on caring for the environment, especially in energy and water saving. We established environmental criteria for the granting of loans and we created mechanisms to encourage the construction of infrastructure and the development of products that represent the least possible environmental impact, without obstructing the investment required for development.

The long-term vision and actions in the sphere of sustainability advanced firmly among our associates, so that today they are a substantial part of the operations of the entire banking system. We are enormously pleased to confirm that we have working models and criteria for decision-making in the field of sustainability, which are focused on creating value for all, with a long-term perspective.

The exceptional circumstances that we are experiencing requires us to redouble our efforts to achieve the sustainable development of the country. We will continue working every day to achieve our goal and to continue operating guided by our commitment to contribute daily to creating a better Mexico for all.