Central Bancompany : 2021

2021

ANNUAL REPORT

Forward-Looking Statements

is annual report contains future-looking information and projections that are not statements of historical fact and that constitute "forward-looking statements" within the meaning of the federal securities laws. ese forward-looking statements include, but are not limited to, statements with regarding the Company's business plans and investment strategies, expectations with respect to investments in employees, branches and technologies, as well as net income growth; the Company's profitability, the economic and interest rate environment; and the Company's expenses. Words or phrases such as "anticipate," "believe," "aim," "can," "conclude," "continue," "could," "estimate," "expect," " foresee," "goal," "intend," "may," "might," "outlook," "possible," "plan," "predict," "project," "potential," "seek," "should," "target," "will," "will likely," "would," or the negative of these terms or other comparable terminology, as well as similar expressions, are intended to identify forward-looking statements but are not the exclusive means of identifying such statements.

Forward-looking statements express management's beliefs regarding future results or events, many of which, by their nature, are inherently uncertain and subject to significant business, economic and competitive risks, uncertainties and contingencies, many of which are outside of management's control. As a result, actual results and outcomes may differ, possibly materially, from the results or outcomes indicated in these forward-looking statements. Factors that may cause actual results or outcomes to differ from those included in our forward-looking statements include, but are not limited to: disruptions in our business operations due to COVID-19; the magnitude, duration and severity of the COVID-19 pandemic or any other global disruption that may occur; changes in consumer demand for financial services; our ability to retain key management and employees; and general competitive, economic, political and market conditions and fluctuations.

e forward-looking statements contained in this annual report are made as of March 28, 2022, and are based on information available to management on such date. We do not undertake any obligation to update, supplement or correct any of these forward-looking statements.

Table of Contents

Year in Review ...................................................................................... 4

Letter to Shareholders ............................................................................ 5

Financial Review ................................................................................. 10

Five-Year Consolidated Average Balance Sheet ..................................... 13

Five-Year Consolidated Summary of Operations ..................................... 14

Market Review .................................................................................... 15

Independent Auditor's Report ............................................................... 16

History of Central Bancompany ............................................................ 63

Directors and Senior Leadership of Central Bancompany ......................... 65

Markets of Central Bancompany ........................................................... 66

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