Jose Espinosa - Grupo Financiero Managing Director – Wholesale Banking

GFNORTEO  MXN 143.15  0.95  0.67%   

Managing Director

Mr. Jose Armando Rodal Espinosa has served as Managing Director, Wholesale Banking at Grupo Financiero Banorte, S.A.B. de C.V. since 2018. He has previously been Managing Director Business Corporationrationrate Banking of Grupo Financiero Banorte, S.A.B. de C.V. from 2016 and Managing Director Wholesale Banking until 2016. He holds a MBA degree. since 2018.
Age 45
Tenure 6 years
Professional MarksMBA
Phone52 55 1103 4000
Webhttps://www.banorte.com

Grupo Financiero Management Efficiency

The company has return on total asset (ROA) of 0.0235 % which means that it generated a profit of $0.0235 on every $100 spent on assets. This is way below average. Similarly, it shows a return on equity (ROE) of 0.1933 %, meaning that it generated $0.1933 on every $100 dollars invested by stockholders. Grupo Financiero's management efficiency ratios could be used to measure how well Grupo Financiero manages its routine affairs as well as how well it operates its assets and liabilities.
Grupo Financiero Banorte has accumulated 534.3 B in total debt. Debt can assist Grupo Financiero until it has trouble settling it off, either with new capital or with free cash flow. So, Grupo Financiero's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Grupo Financiero Banorte sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Grupo to invest in growth at high rates of return. When we think about Grupo Financiero's use of debt, we should always consider it together with cash and equity.
Grupo Financiero Banorte, S.A.B. de C.V., through its subsidiaries, provides banking and financial products and services in Mexico. Grupo Financiero Banorte, S.A.B. de C.V. was founded in 1899 and is based in Santa Fe, Mexico. GRUPO FINANCIERO operates under BanksRegional classification in Mexico and is traded on Mexico Stock Exchange. Grupo Financiero Banorte (GFNORTEO) is traded on Mexican Exchange in Mexico and employs 30,000 people.

Management Performance

Grupo Financiero Banorte Leadership Team

Elected by the shareholders, the Grupo Financiero's board of directors comprises two types of representatives: Grupo Financiero inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Grupo. The board's role is to monitor Grupo Financiero's management team and ensure that shareholders' interests are well served. Grupo Financiero's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Grupo Financiero's outside directors are responsible for providing unbiased perspectives on the board's policies.
Mayra Lopez, Executive Director - Accounting
Fernando JC, Deputy Affairs
Alfredo Ayub, Independent Director
Everardo Almaguer, Independent Director
Javier Cantu, Co General Director of Administration and Human Resources
Carla Chelala, Managing Director - Marketing
Rafael Garza, COO, Member of Management Committee, Member of Assets and Liabilities Committee, Member of Central Credit Committee, Member of HR Committee, Member of Technology and Investment Committee, Member of Investment Projects Committee and Member of Risk Policies Committee
Sergio Gil, Managing Director - Corporate Banking
Jose Eguia, Independent Director
Fernando Soberon, Managing Director, Annuities and Pensions
Carmen Guerra, Independent Director
Tomas Derbez, Investor Devel
David Montemayor, Director
Alfonso Noriega, Independent Director
Arturo Ballesteros, Managing Director - Investment & Structured Financing
David Alanis, Independent Director
Juan Moreno, Director
Thomas Rodriguez, Independent Director
Eduardo Cantu, Independent Director
Carlos Corry, Managing Director, Risk Management and Credit
Carlos Gonzalez, Managing Director – Retail Banking
Jose Miguel, Managing Director - Wholesale Banking & Casa de Bolsa Banorte Ixe
Isaias Gonzalez, Managing Director - Internal Audit
Engineer Garza, Chief Officer
Hector Dahl, Independent Director
Hector Flores, Head of Legal and Trust, Secretary of the Board of Directors
Adrian Cueva, Independent Director
Jose Espinosa, Managing Director – Wholesale Banking

Grupo Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Grupo Financiero a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

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Other Information on Investing in Grupo Stock

Grupo Financiero financial ratios help investors to determine whether Grupo Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Grupo with respect to the benefits of owning Grupo Financiero security.