{"id":21346,"date":"2025-09-05T19:05:53","date_gmt":"2025-09-06T01:05:53","guid":{"rendered":"\/banorte\/__host\/xxi\/?page_id=21346"},"modified":"2026-08-20T17:07:03","modified_gmt":"2026-08-20T23:07:03","slug":"calificacion","status":"publish","type":"page","link":"\/banorte\/__host\/xxi\/calificacion\/","title":{"rendered":"Calificaci\u00f3n"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"21346\" class=\"elementor elementor-21346\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69cd77f7 e-con-full e-flex e-con e-parent\" data-id=\"69cd77f7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-17887c91 e-flex e-con-boxed e-con e-child\" data-id=\"17887c91\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_effect&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_direction&quot;:&quot;negative&quot;,&quot;motion_fx_translateY_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:6,&quot;sizes&quot;:[]},&quot;motion_fx_translateY_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:100}},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a016467 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"5a016467\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1863\" height=\"1243\" src=\"\/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/banner_calificacion.webp\" class=\"attachment-full size-full wp-image-21348\" alt=\"\" srcset=\"\/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/banner_calificacion.webp 1863w, \/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/banner_calificacion-300x200.webp 300w, \/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/banner_calificacion-1024x683.webp 1024w, \/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/banner_calificacion-768x512.webp 768w, \/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/banner_calificacion-1536x1025.webp 1536w\" sizes=\"(max-width: 1863px) 100vw, 1863px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3296d029 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"3296d029\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">CALIFICACI\u00d3N<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-686f2a92 e-flex e-con-boxed e-con e-parent\" data-id=\"686f2a92\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4c2f2cf7 e-con-full e-flex e-con e-child\" data-id=\"4c2f2cf7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52e334e9 elementor-widget elementor-widget-heading\" data-id=\"52e334e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"color:#545454\">FITCH<\/span> RATINGS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e5d86d9 elementor-widget elementor-widget-text-editor\" data-id=\"2e5d86d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>\u00bfSab\u00edas que los modelos de inversi\u00f3n son evaluados por instituciones calificadoras de valores?<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-160e2ead elementor-widget elementor-widget-text-editor\" data-id=\"160e2ead\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Fitch Ratings S.A. de C.V. es la instituci\u00f3n que califica los valores de las SIEFORES y Multifondos de Afore XXI Banorte, cuyo objetivo es obtener los elementos cuantitativos que permitan evaluar el riesgo de los portafolios en que se invierten los recursos de sus clientes.<\/p><p>En Afore XXI Banorte, al igual que en el resto de las administradoras, se califica la Cartera de nuestros modelos de inversi\u00f3n a trav\u00e9s de una instituci\u00f3n calificadora de valores; en nuestro caso, se trata de <strong>Fitch Ratings.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6bee53e8 e-flex e-con-boxed e-con e-parent\" data-id=\"6bee53e8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-79226dd5 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"79226dd5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44bbc0f1 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"44bbc0f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_2\" viewBox=\"0 0 1000 1000\"><defs><style>      .st0 {        fill: #ea0029;      }      .st1 {        stroke-linecap: round;        stroke-linejoin: round;      }      .st1, .st2 {        fill: none;        stroke: #ea0029;        stroke-width: 35px;      }      .st2 {        stroke-miterlimit: 10;      }    <\/style><\/defs><path class=\"st2\" d=\"M724.5,274.9h181.4c28.7,0,51.9,23.2,51.9,51.9v578.1c0,28.7-23.2,51.9-51.9,51.9H90.3c-28.7,0-51.9-23.2-51.9-51.9V326.8c0-28.7,23.2-51.9,51.9-51.9h186.6\"><\/path><line class=\"st1\" x1=\"959.2\" y1=\"733.2\" x2=\"37\" y2=\"733.2\"><\/line><line class=\"st1\" x1=\"797.6\" y1=\"507.4\" x2=\"198.6\" y2=\"507.4\"><\/line><circle class=\"st2\" cx=\"498.1\" cy=\"269.4\" r=\"234.7\"><\/circle><path class=\"st0\" d=\"M510.6,385.4v-28.4c8.9,0,16-1.8,23.1-3.5,7.1-1.8,14.2-5.3,19.5-8.9,5.3-3.6,10.6-10.7,14.2-16,3.5-7.1,5.3-14.2,5.3-24.8s-1.8-16-3.6-21.3c-3.5-10.6-12.4-19.5-28.4-24.8-16-7.1-28.4-8.9-31.9-8.9v-37.2c5.3,0,8.9,1.8,14.2,3.5,7.1,1.8,16,5.3,21.3,10.6,1.8,1.8,3.5,1.8,3.5,3.6l17.7-33.7c-7.1-3.5-16-8.9-24.8-12.4-8.9-3.6-19.5-7.1-30.2-7.1v-24.8h-17.7v24.8c-23.1,1.8-42.6,12.4-53.2,33.7-3.6,7.1-5.3,14.2-5.3,23.1,0,19.5,7.1,31.9,26.6,40.8,14.2,7.1,28.4,10.6,33.7,12.4v31.9c-5.3,0-12.4-1.8-17.7-3.6-8.9-3.5-19.5-7.1-26.6-12.4-3.6-1.8-5.3-3.6-5.3-3.6l-17.7,35.5c19.5,12.4,42.6,19.5,65.6,21.3v30.1h17.7s0,0,0,0ZM507.1,287.8c5.3,1.8,10.6,3.5,14.2,7.1,3.5,1.8,5.3,5.3,5.3,10.6,0,8.9-7.1,12.4-19.5,14.2v-31.9h0ZM482.3,234.6c-3.5-1.8-3.5-5.3-3.5-10.7,0-8.9,5.3-14.2,17.7-14.2v30.2c-7.1,0-10.6-1.8-14.2-5.3h0Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPor otra parte, su Unidad de Administraci\u00f3n Integral de Riesgos, lleva a cabo de manera precisa mediciones con el objeto de monitorear los distintos riesgos: mercado, liquidez y cr\u00e9dito. Asimismo, utiliza sistemas tecnol\u00f3gicos que le permiten monitorear el cumplimiento de los par\u00e1metros de inversi\u00f3n de las SIEFORES y Multifondos y la operaci\u00f3n diaria de las mismas.\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15a8ef1a elementor-widget elementor-widget-text-editor\" data-id=\"15a8ef1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Afore XXI Banorte, en opini\u00f3n de Fitch Ratings, posee los elementos apropiados para llevar a cabo una buena administraci\u00f3n de sus portafolios, ya que cuenta con una adecuada estructura organizacional y un Comit\u00e9 de Inversiones que sesiona de manera peri\u00f3dica, el cual est\u00e1 conformado por personal con una amplia experiencia en el medio financiero, situaci\u00f3n que les permite ejecutar de manera precisa las estrategias de inversi\u00f3n y objetivos de sus SIEFORES y Multifondos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f659a36 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"1f659a36\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cc26cfa elementor-icon-list--layout-inline elementor-align-center elementor-widget__width-initial elementor-absolute elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"7cc26cfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48f5e105 elementor-widget elementor-widget-image\" data-id=\"48f5e105\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"534\" src=\"\/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/03-fitch_ratings-2-1024x683.webp\" class=\"attachment-large size-large wp-image-21360\" alt=\"\" srcset=\"\/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/03-fitch_ratings-2-1024x683.webp 1024w, \/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/03-fitch_ratings-2-300x200.webp 300w, \/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/03-fitch_ratings-2-768x512.webp 768w, \/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/03-fitch_ratings-2-1536x1025.webp 1536w, \/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/03-fitch_ratings-2-2048x1366.webp 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69e4378c e-con-full e-flex e-con e-parent\" data-id=\"69e4378c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-618ea098 e-flex e-con-boxed e-con e-child\" data-id=\"618ea098\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-542e6be4 elementor-widget elementor-widget-heading\" data-id=\"542e6be4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"color:#fff\">PARTICIPACI\u00d3N ACTIVA DE LOS<\/span> \u00d3RGANOS DE GOBIERNO<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7778c86a e-con-full e-flex e-con e-child\" data-id=\"7778c86a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7fe563c5 e-con-full e-flex e-con e-child\" data-id=\"7fe563c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-345367b4 elementor-position-inline-start elementor-tablet-position-block-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"345367b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 1000 1000\"><path d=\"M895.83,82.31H246.46c-9.79-35.91-40.79-62-78.32-62-47.32,0-84.84,37.52-84.84,84.83,0,804.38,0,708.12,0,758.69-4.9,65.27,42.42,115.86,107.68,115.86h703.23c11.42,0,21.21-9.8,21.21-21.22s-9.79-19.58-21.21-19.58H192.61c-42.42,0-71.79-30.99-68.52-71.78v-29.36c4.89-3.27,11.42-6.53,19.58-9.8,21.21-6.53,42.42-1.63,65.26,13.05v37.53c0,11.41,9.79,21.21,21.21,21.21h665.69c11.43,0,21.22-9.8,21.22-21.21V101.89c0-11.43-9.79-19.58-21.22-19.58ZM124.09,792.05V105.14c0-24.48,19.58-44.06,44.05-44.06,22.84,0,39.16,17.95,40.79,40.81v691.79c-27.73-11.43-57.11-13.05-84.84-1.63ZM876.25,857.31H249.72V123.1h624.9v734.21h1.63Z\"><\/path><path d=\"M324.77,224.26h40.79c11.43,0,21.22-9.8,21.22-21.21s-9.79-19.58-21.22-19.58h-40.79c-11.42,0-21.21,9.78-21.21,19.58,1.63,13.04,9.79,21.21,21.21,21.21Z\"><\/path><path d=\"M427.57,224.26h326.31c11.43,0,21.22-9.8,21.22-21.21s-9.79-19.58-21.22-19.58h-326.31c-11.43,0-21.22,9.78-21.22,19.58,0,13.04,9.79,21.21,21.22,21.21Z\"><\/path><path d=\"M324.77,315.96h40.79c11.43,0,21.22-9.8,21.22-21.21s-9.79-21.21-21.22-21.21h-40.79c-11.42,0-21.21,9.78-21.21,21.21,1.63,11.41,9.79,21.21,21.21,21.21Z\"><\/path><path d=\"M427.57,315.96h326.31c11.43,0,21.22-9.8,21.22-21.21s-9.79-21.21-21.22-21.21h-326.31c-11.43,0-21.22,9.78-21.22,21.21s9.79,21.21,21.22,21.21Z\"><\/path><path d=\"M324.77,408.62h40.79c11.43,0,21.22-9.78,21.22-19.58,0-11.43-9.79-21.21-21.22-21.21h-40.79c-11.42,0-21.21,9.78-21.21,21.21,1.63,9.8,9.79,19.58,21.21,19.58Z\"><\/path><path d=\"M427.57,408.62h326.31c11.43,0,21.22-9.78,21.22-19.58,0-11.43-9.79-21.21-21.22-21.21h-326.31c-11.43,0-21.22,9.78-21.22,21.21,0,9.8,9.79,19.58,21.22,19.58Z\"><\/path><path d=\"M324.77,672.94h469.91c11.42,0,21.21-9.78,21.21-21.21s-9.79-21.21-21.21-21.21h-469.91c-11.42,0-21.21,9.78-21.21,21.21,1.63,13.05,9.79,21.21,21.21,21.21Z\"><\/path><path d=\"M794.68,694.15h-469.91c-11.42,0-21.21,9.8-21.21,21.21s9.79,21.22,21.21,21.22h469.91c11.42,0,21.21-9.8,21.21-21.22-1.64-13.04-11.43-21.21-21.21-21.21Z\"><\/path><path d=\"M794.68,754.52h-81.59c-11.42,0-19.58,9.8-19.58,21.21s9.79,21.21,19.58,21.21h81.59c11.42,0,21.21-9.78,21.21-21.21-1.64-11.41-11.43-21.21-21.21-21.21Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tApego al Manual de Pol\u00edticas y Procedimientos de Administraci\u00f3n de Riesgo Financiero que establece responsabilidades, funciones y normatividad aplicable, entre otros.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d5ff968 elementor-position-inline-start elementor-tablet-position-block-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3d5ff968\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 1000 1000\"><path d=\"M523.79,266.63c12,0,22.28-10.28,22.28-22.29V115.77c0-12.01-10.29-22.29-22.28-22.29H158.63c-12,0-22.28,10.28-22.28,22.29v128.58c0,12.01,10.29,22.29,22.28,22.29h365.16ZM180.92,138.05h320.59v85.72H180.92v-85.72Z\"><\/path><path d=\"M830.66,751.79c-8.58-8.57-22.29-8.57-30.86,0l-22.28-22.29c23.99-49.72,25.71-108,3.43-159.43,0-408.03,0-390.87,0-394.31,0-1.71-1.72-5.15-3.43-6.86h0l-1.72-1.71-1.71-1.71h0C614.65,6.04,623.22,14.61,619.79,12.9c-3.43-1.71-6.86-3.42-12-3.42H74.62c-12,0-22.29,10.28-22.29,22.29v857.19c0,11.99,10.29,22.28,22.29,22.28h672.04l54.86,54.86c32.58,32.56,87.44,32.56,121.73,0,32.57-32.58,32.57-87.44,0-121.73l-92.57-92.57ZM770.66,782.66l-30.86,30.85-15.43-15.43c12-8.57,20.57-18.86,30.85-30.87l15.44,15.44ZM753.52,645.5c0,82.3-66.86,150.88-149.15,150.88s-149.15-66.87-149.15-150.88c0-39.42,15.43-77.15,44.57-106.29,58.29-58.28,154.3-58.28,212.58,0,25.72,29.14,41.15,65.16,41.15,106.29ZM630.08,81.48l77.15,77.15h-77.15v-77.15ZM95.19,52.34h493.74v128.58c0,12.01,10.29,20.57,20.57,20.57h128.58v305.16c-75.44-73.73-195.45-72-270.87,1.71-75.43,75.44-75.43,197.16,0,272.58,60,60.01,149.15,72.02,219.44,37.73l22.29,22.28c-6.86,6.86-8.57,15.43-5.14,22.29H95.19V52.34ZM892.38,933.52c-17.15,17.14-44.58,17.14-60.01,0l-77.15-75.44,60-60,75.44,75.44c17.14,17.14,17.14,42.84,1.71,60Z\"><\/path><path d=\"M520.36,563.22c-46.29,46.28-46.29,120.01,0,166.29,46.29,46.3,120.01,46.3,166.3,0,46.29-46.28,46.29-120.01,0-166.29-46.29-46.29-120.01-46.29-166.3,0ZM655.79,698.65c-29.14,29.14-75.43,29.14-104.57,0-29.14-29.14-29.14-75.44,0-104.58,13.72-13.72,34.29-22.29,53.15-22.29,41.14,0,73.72,32.58,73.72,73.71,0,20.57-6.86,39.44-22.29,53.15Z\"><\/path><path d=\"M522.5,296.64H159.92c-12.7,0-23.57,10.29-23.57,20.57,0,12.01,10.88,22.29,23.57,22.29h362.59c12.69,0,23.57-10.28,23.57-22.29s-10.88-20.57-23.57-20.57Z\"><\/path><path d=\"M341.21,360.07h-181.3c-12.7,0-23.57,10.28-23.57,20.57,0,12.01,10.88,22.29,23.57,22.29h181.3c12.69,0,23.57-10.28,23.57-22.29-1.81-10.3-10.88-20.57-23.57-20.57Z\"><\/path><path d=\"M331.78,715.79h-150.86c-12,0-22.29,10.3-22.29,22.28s10.29,22.3,22.29,22.3h150.86c12,0,20.57-10.3,20.57-22.3s-10.29-22.28-20.57-22.28Z\"><\/path><path d=\"M331.78,780.93h-150.86c-12,0-22.29,10.3-22.29,22.3s10.29,22.28,22.29,22.28h150.86c12,0,20.57-10.3,20.57-22.28,0-13.72-10.29-22.3-20.57-22.3Z\"><\/path><path d=\"M431.86,382.35c0-12.01-10.88-20.57-23.57-20.57s-21.76,8.57-21.76,20.57,10.88,22.28,23.57,22.28,21.76-11.99,21.76-22.28Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLos Comit\u00e9s de Riesgos Financieros administran los riesgos cuantificables, as\u00ed como los no cuantificables y vigilan que las operaciones de inversi\u00f3n se ajusten a los l\u00edmites, pol\u00edticas y procedimientos autorizados.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21e6bb2c elementor-position-inline-start elementor-tablet-position-block-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"21e6bb2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 1000 1000\"><path d=\"M757.91,621.28l-58.07,58.07-8.55-10.24c-22.2-22.2-56.35-22.2-78.57,0-22.2,22.2-22.2,56.37,0,78.57l71.74,71.74c8.55,8.54,22.22,8.54,30.76,0l121.28-121.28c22.2-22.2,22.2-56.37,0-78.57-20.5-20.5-56.37-20.5-78.57,1.7ZM807.45,669.11l-105.91,105.91-58.07-58.09c-5.13-5.11-5.13-13.65,0-18.78,5.11-5.13,13.67-5.13,18.78,0l23.92,23.91c8.54,8.54,22.2,8.54,30.74,0l71.74-71.74c5.13-5.13,13.67-5.13,18.8,0,3.41,6.83,3.41,13.67,0,18.79Z\"><\/path><path d=\"M788.65,505.13c0-345.04,0-327.96,0-331.38,0-1.7-1.7-5.12-3.41-6.83h0l-1.7-1.71-1.72-1.71h0C622.97,4.65,631.51,13.19,628.1,11.48c-3.42-1.71-6.83-3.42-11.96-3.42H84.91c-11.96,0-22.2,10.25-22.2,22.21v939.47c0,11.96,10.24,22.2,22.2,22.2h683.25c11.96,0,20.5-10.24,20.5-22.2v-71.74c85.41-23.91,148.61-102.48,148.61-196.44,1.72-93.94-61.48-172.52-148.61-196.43ZM640.04,79.8l76.87,76.87h-76.87v-76.87ZM747.65,947.54H105.41V50.77h490.23v128.11c0,11.95,10.24,20.5,22.2,20.5h128.11v298.92c-116.15-6.83-213.51,87.12-213.51,203.27s97.37,208.4,213.51,203.27v42.7h1.7ZM735.71,862.13c-88.83,0-160.57-71.74-160.57-160.57s71.74-160.56,160.57-160.56,160.55,71.75,160.55,160.56-71.74,160.57-160.55,160.57Z\"><\/path><path d=\"M532.44,136.17c0-11.96-10.24-20.5-22.2-20.5H190.81c-11.96,0-20.5,10.25-20.5,20.5v105.91c0,11.95,10.24,22.2,20.5,22.2h319.42c11.96,0,22.2-10.25,22.2-22.2v-105.91ZM491.44,221.58H213.02v-63.2h278.42v63.2Z\"><\/path><path d=\"M190.81,349.69h128.11c11.95,0,22.2-10.25,22.2-22.2s-10.26-22.2-22.2-22.2h-128.11c-11.96,0-20.5,10.25-20.5,22.2s10.24,22.2,20.5,22.2Z\"><\/path><path d=\"M190.81,435.09h235.72c11.96,0,22.2-10.25,22.2-22.2s-10.24-22.2-22.2-22.2h-235.72c-11.96,0-20.5,10.25-20.5,22.2s10.24,22.2,20.5,22.2Z\"><\/path><path d=\"M190.81,520.51h193.02c11.96,0,22.2-10.25,22.2-22.21s-10.24-22.2-22.2-22.2h-193.02c-11.96,0-20.5,10.25-20.5,22.2s10.24,22.21,20.5,22.21Z\"><\/path><path d=\"M491.44,541H190.81c-11.96,0-20.5,10.25-20.5,22.2s10.24,22.21,20.5,22.21h298.92c11.96,0,20.5-10.25,20.5-22.21,1.7-11.95-8.54-22.2-18.8-22.2Z\"><\/path><path d=\"M491.44,605.91H190.81c-11.96,0-20.5,10.24-20.5,22.2s10.24,22.2,20.5,22.2h298.92c11.96,0,20.5-10.24,20.5-22.2,1.7-13.67-8.54-22.2-18.8-22.2Z\"><\/path><path d=\"M298.42,839.93h-105.91c-11.96,0-20.5,10.24-20.5,22.2s10.24,22.2,20.5,22.2h105.91c11.96,0,22.2-10.24,22.2-22.2-1.7-11.96-10.24-22.2-22.2-22.2Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tContamos con auditores externos quienes verifican el cumplimiento de la normatividad vigente y nos auditan en materia de Administraci\u00f3n de Riesgos Financieros.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-566ed8eb e-con-full e-flex e-con e-child\" data-id=\"566ed8eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-721882ef elementor-position-inline-start elementor-tablet-position-block-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"721882ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 1000 1000\"><path d=\"M828.93,744.11c-17.2-6.88-32.67-10.32-34.38-10.32v-39.53c5.16,0,10.32,1.72,15.47,3.43,6.88,3.45,17.2,6.88,24.08,10.31,3.43,1.73,5.14,3.45,5.14,3.45l20.63-37.81c-8.59-5.16-17.18-8.61-27.51-13.75-10.31-3.45-22.34-6.88-34.38-8.59v-25.79h-18.9v27.51c-25.79,3.43-48.14,13.75-58.44,37.81-3.45,6.88-5.16,15.47-5.16,25.79,0,20.63,8.59,34.38,29.22,46.41,15.47,6.88,30.94,10.32,37.81,13.75v37.83c-6.88-1.73-13.75-1.73-18.9-5.16-8.59-3.45-20.63-8.59-29.22-13.75-3.45-1.72-5.16-3.45-5.16-5.16l-20.63,39.55c20.63,13.75,48.14,22.34,72.2,24.06v32.67h18.92v-32.67c8.59,0,17.18-1.72,25.77-3.43,8.61-1.73,15.48-5.16,20.63-10.32,6.88-5.16,12.04-10.31,15.47-18.92,3.45-6.86,5.16-17.18,5.16-27.49,0-8.61-1.72-17.2-5.16-24.08-5.15-8.59-15.47-18.9-32.65-25.77ZM780.79,728.63c-6.88-1.72-12.04-5.15-15.47-6.88-3.45-3.43-5.16-6.86-5.16-10.31,0-10.31,6.88-15.47,18.92-15.47v32.65h1.72ZM794.54,814.59v-34.38c6.88,1.72,12.04,5.15,15.47,6.88,3.45,3.43,5.16,6.88,5.16,12.02,0,8.61-6.88,13.75-20.63,15.48Z\"><\/path><path d=\"M920.04,608.29V66.8c0-12.02-10.32-22.34-22.35-22.34h-171.92c-12.02,0-22.34,10.32-22.34,22.34v42.98h-149.55c-12.04,0-22.35,10.32-22.35,22.36v42.97h-151.27c-12.04,0-22.35,10.31-22.35,22.34v42.97h-149.55c-12.04,0-22.36,10.31-22.36,22.35v42.97H34.73c-12.04,0-22.34,10.31-22.34,22.34v429.75c0,12.04,10.31,22.36,22.34,22.36h560.41c3.45,42.98,22.35,85.95,56.73,118.6,75.64,75.64,201.12,75.64,276.76,0,82.5-84.22,77.36-216.59-8.59-290.52ZM748.12,89.16h128.94v491.64c-41.26-18.91-85.95-24.08-128.94-13.75V89.16ZM60.52,347.01h128.93v386.77H60.52v-386.77ZM232.43,281.69h128.92v452.09h-128.92v-452.09ZM404.32,218.09h128.92v515.7h-128.92V218.09ZM576.22,152.75h128.93v429.76c-56.73,29.22-97.97,84.23-106.56,151.27h-22.36V152.75ZM901.13,864.44c-60.16,60.16-156.43,60.16-216.59,0-60.17-60.17-60.17-156.45,0-216.61,60.16-60.16,156.43-60.16,216.59,0,58.44,60.16,58.44,156.43,0,216.61Z\"><\/path><path d=\"M811.73,389.99c12.04,0,22.36-10.32,22.36-22.34v-128.92c0-12.04-10.32-22.36-22.36-22.36s-22.34,10.32-22.34,22.36v128.92c1.73,12.02,10.32,22.34,22.34,22.34Z\"><\/path><path d=\"M639.83,410.62c12.04,0,22.35-10.32,22.35-22.35v-128.94c0-12.02-10.31-22.34-22.35-22.34s-22.34,10.32-22.34,22.34v128.94c1.71,12.02,10.32,22.35,22.34,22.35Z\"><\/path><path d=\"M467.93,304.04c-12.04,0-22.35,10.31-22.35,22.35v127.21c0,12.02,10.31,22.34,22.35,22.34s22.34-10.32,22.34-22.34v-128.92c0-12.04-10.31-20.63-22.34-20.63Z\"><\/path><path d=\"M296.03,367.64c-12.04,0-20.63,10.31-20.63,22.34v128.92c0,12.04,10.31,20.63,20.63,20.63s22.35-10.32,22.35-20.63v-128.92c0-12.04-10.31-22.34-22.35-22.34Z\"><\/path><path d=\"M124.13,432.96c-12.04,0-22.34,10.31-22.34,22.35v128.92c0,12.04,10.31,22.34,22.34,22.34s22.35-10.31,22.35-22.34v-130.64c0-12.04-10.32-20.63-22.35-20.63Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tContar con la Unidad para la Administraci\u00f3n Integral de Riesgo (UAIR), creada espec\u00edficamente para desarrollar e instrumentar los modelos y metodolog\u00edas en la medici\u00f3n y control de los distintos tipos de riesgo financiero.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23bf08b elementor-position-inline-start elementor-tablet-position-block-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"23bf08b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 1000 1000\"><path d=\"M862.87,177.07h0c0-3.4-1.7-5.1-3.4-8.49h0l-1.7-1.7-1.7-1.7h0C698.01,7.1,706.51,15.61,703.11,13.9c-1.7-1.7-5.1-1.7-8.5-3.4-3.4,0,28.9,0-535.39,0-11.89,0-22.09,10.2-22.09,22.09v934.81c0,11.9,10.2,22.09,22.09,22.09h679.85c11.9,0,22.09-10.19,22.09-22.09,1.7-822.63,1.7-786.94,1.7-790.34q0,1.7,0,0ZM713.3,83.59l76.49,76.49h-76.49v-76.49ZM183.02,947.01V54.7h487.79v127.47c0,11.89,10.2,20.4,20.4,20.4h127.48v744.44H183.02Z\"><\/path><path d=\"M640.22,627.48c-76.49,0-137.67,61.18-137.67,137.66s61.18,137.68,137.67,137.68,137.67-61.19,137.67-137.68-62.89-137.66-137.67-137.66ZM618.12,671.67v71.38h-71.38c6.8-34,35.69-62.89,71.38-71.38ZM640.22,862.02c-45.89,0-83.28-32.3-93.48-74.79h93.48c11.89,0,22.09-10.19,22.09-22.09v-93.48c42.49,10.19,74.78,47.59,74.78,93.48-1.7,52.7-44.19,96.88-96.88,96.88Z\"><\/path><path d=\"M415.87,692.06h-64.58v-84.98c0-11.9-10.2-22.1-22.1-22.1h-84.98c-11.89,0-22.09,10.2-22.09,22.1v275.34c0,11.9,10.2,22.09,22.09,22.09h169.97c11.89,0,22.09-10.19,22.09-22.09v-169.96c1.7-11.9-8.5-20.4-20.4-20.4ZM268,627.48h42.49v232.85h-42.49v-232.85h0ZM395.47,862.02h-42.49v-127.47h42.49v127.47Z\"><\/path><path d=\"M755.8,457.51h-169.97c-11.89,0-22.09,10.2-22.09,22.09s10.2,20.4,22.09,20.4h169.97c11.89,0,22.09-10.2,22.09-22.09,0-10.2-10.2-20.4-22.09-20.4Z\"><\/path><path d=\"M755.8,522.1h-169.97c-11.89,0-22.09,10.19-22.09,22.09s10.2,20.39,22.09,20.39h169.97c11.89,0,22.09-10.19,22.09-20.39,0-13.6-10.2-22.09-22.09-22.09Z\"><\/path><path d=\"M245.91,224.66h297.43c11.9,0,20.4-10.2,20.4-22.09s-10.2-20.4-20.4-20.4H245.91c-11.9,0-22.1,10.2-22.1,20.4,1.7,11.89,10.2,22.09,22.1,22.09Z\"><\/path><path d=\"M245.91,287.55h297.43c11.9,0,20.4-10.2,20.4-22.09s-10.2-20.4-20.4-20.4H245.91c-11.9,0-22.1,10.2-22.1,20.4,1.7,11.89,10.2,22.09,22.1,22.09Z\"><\/path><path d=\"M245.91,352.13h445.3c11.9,0,22.09-10.2,22.09-22.09s-10.19-22.09-22.09-22.09H245.91c-11.9,0-22.1,10.2-22.1,22.09,1.7,11.89,10.2,22.09,22.1,22.09Z\"><\/path><path d=\"M245.91,415.02h445.3c11.9,0,22.09-10.2,22.09-22.09s-10.19-22.1-22.09-22.1H245.91c-11.9,0-22.1,10.2-22.1,22.1,1.7,11.89,10.2,22.09,22.1,22.09Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEl \u00e1rea de Auditor\u00eda Interna da seguimiento a los riesgos no cuantificables a trav\u00e9s de un estricto programa de auditor\u00eda a las \u00e1reas operativas involucradas en el proceso de inversi\u00f3n.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6162d277 e-flex e-con-boxed e-con e-child\" data-id=\"6162d277\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1d7aa2ec e-con-full e-flex e-con e-child\" data-id=\"1d7aa2ec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21bd34ee elementor-widget elementor-widget-heading\" data-id=\"21bd34ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"color:#545454\">INSTRUMENTOS<\/span> ESTRUCTURADOS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1341a10 e-flex e-con-boxed e-con e-child\" data-id=\"1341a10\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2700fb44 elementor-widget elementor-widget-text-editor\" data-id=\"2700fb44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-10 col-lg-4\"><p>Un Instrumento Estructurado es una combinaci\u00f3n de dos o m\u00e1s elementos financieros que brindan valor, seguridad y confianza a tus ahorros.<\/p><div class=\"home-text__container calification-text__container text-right\"><p>Debido a que el mercado de Instrumentos Estructurados es relativamente reciente, no existen datos relevantes respecto a la rentabilidad observada a 12, 36 y 60 meses en el mercado nacional, y considerar la valuaci\u00f3n actual ser\u00eda sesgada dado el efecto de Curva J relacionada a este tipo de activos. Como indicativo a la fecha de esta estimaci\u00f3n, se presentan los siguientes datos de rentabilidad neta para los per\u00edodos de referencia:<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f603eb0 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-ucaddon_ue_table\" data-id=\"1f603eb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_ue_table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Unlimited Table -->\n\t\t<link id='font-awesome-css' href='\/banorte\/__host\/xxi\/wp-content\/plugins\/unlimited-elements-for-elementor-premium\/assets_libraries\/font-awesome6\/fontawesome-all.min.css' type='text\/css' rel='stylesheet' >\n\t\t<link id='font-awesome-4-shim-css' href='\/banorte\/__host\/xxi\/wp-content\/plugins\/unlimited-elements-for-elementor-premium\/assets_libraries\/font-awesome6\/fontawesome-v4-shims.min.css' type='text\/css' rel='stylesheet' >\n\t\t<link id='uc_ac_assets_file_tabulator_min_css_25955-css' href='\/banorte\/__host\/xxi\/wp-content\/uploads\/ac_assets\/ue_table\/vendor\/tabulator.min.css' type='text\/css' rel='stylesheet' >\n\n<style>\/* widget: Unlimited Table *\/\n\n#uc_ue_table_elementor_1f603eb0.ue-table {\n  display: flex;\n  flex-direction: column;\n  opacity: 1;\n  transition: opacity .3s ease-in-out;\n}\n\n\n#uc_ue_table_elementor_1f603eb0 .tabulator-header .tabulator-col svg,\n#uc_ue_table_elementor_1f603eb0 .tabulator-table .tabulator-cell svg {\n  height:1em;\n  width:1em;\n}\n\n\n#uc_ue_table_elementor_1f603eb0.ue-table.uc-show {\n  opacity: 1;\n}\n\n\n#uc_ue_table_elementor_1f603eb0 .ue-table__tools {\n  display: flex;\n  justify-content: flex-end;\n  }\n\n#uc_ue_table_elementor_1f603eb0 .ue-table__search-btn,\n#uc_ue_table_elementor_1f603eb0 .ue-table__search-fields-toggle {\n  height: 100%\n}\n\n#uc_ue_table_elementor_1f603eb0 .ue-table__filter-container {\n  position: relative;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n}\n\n#uc_ue_table_elementor_1f603eb0 .ue-table__search-fields {\n  position: absolute;\n  top: 0;\n  width: 100%;\n  max-height: 200px;\n  overflow: auto;\n  list-style-type: none;\n  z-index: 2;\n  display: flex;\n  flex-direction: column;\n  gap: .5em;\n  transform-origin: top center;\n  transform: scaleY(0);\n  transition: transform .3s ease-in-out;\n}\n\n#uc_ue_table_elementor_1f603eb0 .ue-table__search-fields.uc-show {\n  transform: scaleY(1);\n}\n\n#uc_ue_table_elementor_1f603eb0 .ue-table__search-fields li {\n  display: flex;\n  align-items: center;\n  gap: 0.5em;\n}\n\n#uc_ue_table_elementor_1f603eb0 .ue-table-icon {\n  position: relative;\n\tdisplay: flex;\n    justify-content: center;\n    align-items: center;\n  cursor: pointer;\n  padding: 5px;\n}\n\n\n.ue-table__templates-container {\n\tdisplay: none;\n}\n\n#uc_ue_table_elementor_1f603eb0 .tabulator-cell {\t\n  white-space: normal;\n}\n\n  #uc_ue_table_elementor_1f603eb0 .tabulator-responsive-collapse {\t\n      white-space: normal;\n  }\n\n#uc_ue_table_elementor_1f603eb0 .tabulator .tabulator-header .tabulator-col {\n  color: #545454;\n  background-color: #FFFFFF;\n}\n\n#uc_ue_table_elementor_1f603eb0 .tabulator .tabulator-header .tabulator-col:hover {\n  background-color: ;\n}\n\n\n#uc_ue_table_elementor_1f603eb0 .tabulator.tabulator-rtl .tabulator-header .tabulator-col,\n  #uc_ue_table_elementor_1f603eb0 .tabulator.tabulator-rtl .tabulator-header .tabulator-cell,\n  #uc_ue_table_elementor_1f603eb0 .tabulator.tabulator-rtl .tabulator-row .tabulator-col,\n  #uc_ue_table_elementor_1f603eb0 .tabulator.tabulator-rtl .tabulator-row .tabulator-cell {\n      border-right-style: solid;\n    border-right: none;\n    border-left: none;\n  }\n  #uc_ue_table_elementor_1f603eb0 .tabulator-col-resize-handle {\n    border-width: 1px;\n    border-right-color: #555555;\n    border-right-style: solid;\n  }\n\n@media screen and (max-width: 1024px) {\n  #uc_ue_table_elementor_1f603eb0 .tabulator-col-resize-handle {\n    border-width: ;\n  }\n}\n@media screen and (max-width: 767px) {\n  #uc_ue_table_elementor_1f603eb0 .tabulator-col-resize-handle {\n    border-width: ;\n  }\n}\n\n#uc_ue_table_elementor_1f603eb0 .tabulator-headers .tabulator-col:last-of-type,\n#uc_ue_table_elementor_1f603eb0 .tabulator-row .tabulator-cell:last-of-type{\n  border-right: none !important;\n}\n\n#uc_ue_table_elementor_1f603eb0 .tabulator-col-resize-handle:last-of-type {\n  display: none;\n}\n\n\n.tabulator-col,\n.tabulator-row,\n.tabulator-cell,\n.ue-table-column__button {\n  transition: all .2s ease-in-out;\n}\n\n.ue-table-column__button {\n  display: inline-block;\n}\n\n\/*\n.tabulator-headers>.tabulator-col:not([class*='elementor-repeater-item']),\n.tabulator-table>.tabulator-row>.tabulator-cell:not([tabulator-field*='column']) {\n\twidth: 100px !important;\n}\n*\/\n\n\t    \n\n\n\n\t    \n\n\n\n   \n\n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n<\/style>\n\n<div id=\"uc_ue_table_elementor_1f603eb0\" class=\"ue-table\">\n    <div class=\"ue-table__tools\" role=\"menu\">\n                            <\/div>\n  <div class=\"ue-table__container\" tabindex=\"0\"><\/div>\n  <div class=\"ue-table__templates-container\">\n  \t\n\n\n\n\n\n\n\n\n\n\n \n  <\/div>\n<\/div>\n\n\n\n<!-- end Unlimited Table -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbfac9e elementor-widget elementor-widget-html\" data-id=\"fbfac9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<input id=\"toggleTexto\" class=\"toggle-texto\" type=\"checkbox\" \/>\n<div class=\"contenido\">\n\nPor otro lado, Afore XXI Banorte estima un rendimiento esperado neto de costos para las inversiones en Instrumentos Estructurados que tengan un periodo de maduraci\u00f3n mayor a 72 meses de entre 12% a 16% compuestos de manera anual, esto sin considerar el lastre del efecto del acarreo negativo para los casos en que se haya incurrido en un esquema de prefondeo. Para la estimaci\u00f3n anterior, consideramos que el efecto neto de gastos y comisiones deber\u00eda rondar entre 300 y 400 puntos base de la tasa bruta interna de retorno. El rendimiento esperado se establece con base a lo observado en la cartera actual de Instrumentos Estructurados y dependen en alta medida de los ciclos econ\u00f3micos que acompa\u00f1en a las inversiones y de la estrategia de cada fondo y de su estado de maduraci\u00f3n. Para plazos de 12, 36 y 60 meses, se estima que los rendimientos netos de comisiones ser\u00e1n similares a los observados hasta ahora e indicados en la tabla anterior.\n<\/p><p>\nPor otro lado, Afore XXI Banorte estima un rendimiento esperado neto de costos para las inversiones en Instrumentos Estructurados que tengan un periodo de maduraci\u00f3n mayor a 72 meses de entre 12% a 16% compuestos de manera anual, esto sin considerar el lastre del efecto del acarreo negativo para los casos en que se haya incurrido en un esquema de prefondeo. Para la estimaci\u00f3n anterior, consideramos que el efecto neto de gastos y comisiones deber\u00eda rondar entre 300 y 400 puntos base de la tasa bruta interna de retorno. El rendimiento esperado se establece con base a lo observado en la cartera actual de Instrumentos Estructurados y dependen en alta medida de los ciclos econ\u00f3micos que acompa\u00f1en a las inversiones y de la estrategia de cada fondo y de su estado de maduraci\u00f3n. Para plazos de 12, 36 y 60 meses, se estima que los rendimientos netos de comisiones ser\u00e1n similares a los observados hasta ahora e indicados en la tabla anterior.\n<h6>Fibras y Veh\u00edculos de Inversi\u00f3n Inmobiliaria<\/h6>\nEn Afore XXI Banorte estimamos un rendimiento esperado neto de costos para las inversiones en Fibras y Veh\u00edculos de Inversi\u00f3n Inmobiliaria que tengan un periodo de maduraci\u00f3n mayor a 24 meses de entre 10% a 15% compuestos de manera anual. A\u00fan y cuando se ha establecido un estimado de rendimientos esperados basado en el estado actual de la econom\u00eda mexicana y el estado actual del mercado nacional de inversiones alternativas, no se puede garantizar que los rendimientos estar\u00e1n dentro de lo esperado, dado que es posible que los supuestos en los que se encuentran basadas estas estimaciones no necesariamente se cumplir\u00e1n. Adicionalmente, las inversiones se efectuar\u00e1n con base en la informaci\u00f3n disponible al momento de realizar la adquisici\u00f3n de estos activos, misma que puede variar y por lo tanto, el comportamiento real podr\u00eda diferir, en mayor o menor medida, de los rendimientos esperados.\n\n<\/div>\n<label class=\"ver-mas\" for=\"toggleTexto\">Ver m\u00e1s<\/label>\n<label class=\"ver-menos\" for=\"toggleTexto\">Ver menos<\/label>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c3abf68 e-flex e-con-boxed e-con e-parent\" data-id=\"6c3abf68\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4bdc39a8 e-flex e-con-boxed e-con e-child\" data-id=\"4bdc39a8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-784c240e elementor-widget elementor-widget-text-editor\" data-id=\"784c240e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"mx-auto\">En Afore XXI Banorte\u00a0puedes <strong>registrar\u00a0tu proyecto<\/strong> como prospecto\u00a0<b>para nuestros portafolios de inversi\u00f3n<\/b><\/p><p class=\"mx-auto\">con base en buenas, eficientes y confiables pr\u00e1cticas.<\/p><p><strong>\u00a1Env\u00edanos tu propuesta!<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3725de04 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"3725de04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Quiero registrar mi proyecto<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4fb3de72 e-flex e-con-boxed e-con e-parent\" data-id=\"4fb3de72\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3f554bfd e-flex e-con-boxed e-con e-child\" data-id=\"3f554bfd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6962cbc6 elementor-widget elementor-widget-heading\" data-id=\"6962cbc6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"color:#545454\">ADMINISTRACI\u00d3N DE<\/span> RIESGOS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a935270 elementor-widget elementor-widget-text-editor\" data-id=\"3a935270\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La Administraci\u00f3n de Riesgos comprende una serie de pol\u00edticas, lineamientos y procedimientos que permiten tomar las decisiones de inversi\u00f3n para mantener seguro y protegido el ahorro para tu retiro.<\/p><p>A trav\u00e9s de la Administraci\u00f3n de Riesgos somos m\u00e1s conscientes de los rendimientos esperados y los niveles de riesgo asociados, con la finalidad de optimizar la rentabilidad ajustada por riesgo del ahorro de nuestros clientes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f82e033 e-flex e-con-boxed e-con e-child\" data-id=\"2f82e033\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71d57e86 elementor-widget elementor-widget-ucaddon_blob_shapes\" data-id=\"71d57e86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_blob_shapes.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Blob Shapes -->\n<style>\/* widget: Blob Shapes *\/\n\n#uc_blob_shapes_elementor_71d57e86\n{\n  mix-blend-mode: overlay;\n  background-size:cover;\n  background-repeat:no-repeat;\n  background-position:center center;\n  opacity: 100%;\n \n}\n\n#uc_blob_shapes_elementor_71d57e86_justification #uc_blob_shapes_elementor_71d57e86_justification-inner{\n  position: absolute;\n  background-position:center center;\n  top: 0;\n  left: 0;\n  z-index: 1;\n  width: 100%;\n  height: 100%;\n  display: flex;\n}\n\n#uc_blob_shapes_elementor_71d57e86_justification #uc_blob_shapes_elementor_71d57e86_justification-inner .ue_blob_inside{\n\twidth: 100%;\n}\n\n#uc_blob_shapes_elementor_71d57e86_justification #uc_blob_shapes_elementor_71d57e86_justification-inner .blob{\n  background-position:center center;\n  background-size:cover;\n  background-repeat:no-repeat;\n  background-color: #000;\n}\n\n#uc_blob_shapes_elementor_71d57e86_justification\n{\n  display:flex;\n  min-height:1px;\n  position: relative;\n}\n\n#uc_blob_shapes_elementor_71d57e86_justification .ue_blob_inside {\n  position: relative;\n  z-index: 2;\n  overflow:hidden;\n  width: 100%;\n  clip-path: animated;\n  -webkit-clip-path: animated;\n  background:linear-gradient(45deg,  0%, 50%,  100%); \n\n}\n\n\n\n#uc_blob_shapes_elementor_71d57e86_size{\n  animation-name: animated;\n  animation-iteration-count: infinite;\n  animation-direction: alternate;\n  animation-timing-function: linear;\n  clip-path: polygon(83.200% 25.800%, 85.100% 28.100%, 86.900% 30.400%, 88.600% 32.700%, 90.200% 35.000%, 91.800% 37.300%, 93.200% 39.600%, 94.500% 41.900%, 95.800% 44.100%, 96.900% 46.400%, 97.800% 48.700%, 98.600% 51.000%, 99.300% 53.300%, 99.800% 55.700%, 100.000% 58.100%, 100.100% 60.500%, 100.000% 63.000%, 99.700% 65.400%, 99.200% 67.800%, 98.500% 70.200%, 97.600% 72.600%, 96.500% 75.000%, 95.200% 77.400%, 93.700% 79.700%, 92.100% 81.900%, 90.300% 84.000%, 88.300% 86.100%, 86.200% 88.100%, 84.000% 89.900%, 81.600% 91.600%, 79.100% 93.200%, 76.500% 94.600%, 73.800% 95.800%, 71.000% 96.900%, 68.000% 97.900%, 65.000% 98.600%, 61.900% 99.200%, 58.800% 99.600%, 55.700% 99.800%, 52.600% 99.900%, 49.500% 99.800%, 46.400% 99.600%, 43.400% 99.200%, 40.400% 98.600%, 37.500% 97.900%, 34.700% 97.000%, 32.000% 96.000%, 29.400% 94.800%, 27.000% 93.500%, 24.700% 92.000%, 22.300% 90.500%, 20.400% 88.800%, 18.600% 87.000%, 16.900% 85.100%, 15.400% 83.000%, 14.000% 80.800%, 12.600% 78.600%, 11.400% 76.300%, 10.200% 74.000%, 8.900% 71.300%, 8.000% 68.800%, 7.100% 66.300%, 6.200% 63.800%, 5.400% 61.200%, 4.600% 58.600%, 3.800% 55.900%, 3.100% 53.200%, 2.400% 50.500%, 1.700% 47.800%, 1.100% 45.200%, 0.700% 42.500%, 0.400% 39.900%, 0.200% 37.300%, 0.000% 34.700%, 0.100% 32.200%, 0.300% 29.700%, 0.700% 27.300%, 1.300% 24.900%, 2.100% 22.600%, 3.100% 20.300%, 4.300% 18.100%, 5.800% 16.000%, 7.500% 14.000%, 9.400% 12.100%, 11.500% 10.300%, 13.800% 8.600%, 16.200% 7.000%, 18.800% 5.600%, 21.500% 4.300%, 24.300% 3.100%, 27.200% 2.200%, 30.100% 1.400%, 33.100% 0.800%, 36.000% 0.400%, 38.900% 0.200%, 41.800% 0.200%, 44.600% 0.400%, 47.400% 0.800%, 50.200% 1.500%, 52.900% 2.400%, 55.500% 3.400%, 58.100% 4.600%, 60.600% 6.000%, 63.100% 7.600%, 65.500% 9.200%, 67.800% 11.000%, 70.100% 12.900%, 72.300% 14.900%, 74.500% 17.000%, 76.600% 19.200%, 78.600% 21.400%, 80.700% 23.600%, 83.200% 25.800%);\n   -webkit-clip-path: polygon(83.200% 25.800%, 85.100% 28.100%, 86.900% 30.400%, 88.600% 32.700%, 90.200% 35.000%, 91.800% 37.300%, 93.200% 39.600%, 94.500% 41.900%, 95.800% 44.100%, 96.900% 46.400%, 97.800% 48.700%, 98.600% 51.000%, 99.300% 53.300%, 99.800% 55.700%, 100.000% 58.100%, 100.100% 60.500%, 100.000% 63.000%, 99.700% 65.400%, 99.200% 67.800%, 98.500% 70.200%, 97.600% 72.600%, 96.500% 75.000%, 95.200% 77.400%, 93.700% 79.700%, 92.100% 81.900%, 90.300% 84.000%, 88.300% 86.100%, 86.200% 88.100%, 84.000% 89.900%, 81.600% 91.600%, 79.100% 93.200%, 76.500% 94.600%, 73.800% 95.800%, 71.000% 96.900%, 68.000% 97.900%, 65.000% 98.600%, 61.900% 99.200%, 58.800% 99.600%, 55.700% 99.800%, 52.600% 99.900%, 49.500% 99.800%, 46.400% 99.600%, 43.400% 99.200%, 40.400% 98.600%, 37.500% 97.900%, 34.700% 97.000%, 32.000% 96.000%, 29.400% 94.800%, 27.000% 93.500%, 24.700% 92.000%, 22.300% 90.500%, 20.400% 88.800%, 18.600% 87.000%, 16.900% 85.100%, 15.400% 83.000%, 14.000% 80.800%, 12.600% 78.600%, 11.400% 76.300%, 10.200% 74.000%, 8.900% 71.300%, 8.000% 68.800%, 7.100% 66.300%, 6.200% 63.800%, 5.400% 61.200%, 4.600% 58.600%, 3.800% 55.900%, 3.100% 53.200%, 2.400% 50.500%, 1.700% 47.800%, 1.100% 45.200%, 0.700% 42.500%, 0.400% 39.900%, 0.200% 37.300%, 0.000% 34.700%, 0.100% 32.200%, 0.300% 29.700%, 0.700% 27.300%, 1.300% 24.900%, 2.100% 22.600%, 3.100% 20.300%, 4.300% 18.100%, 5.800% 16.000%, 7.500% 14.000%, 9.400% 12.100%, 11.500% 10.300%, 13.800% 8.600%, 16.200% 7.000%, 18.800% 5.600%, 21.500% 4.300%, 24.300% 3.100%, 27.200% 2.200%, 30.100% 1.400%, 33.100% 0.800%, 36.000% 0.400%, 38.900% 0.200%, 41.800% 0.200%, 44.600% 0.400%, 47.400% 0.800%, 50.200% 1.500%, 52.900% 2.400%, 55.500% 3.400%, 58.100% 4.600%, 60.600% 6.000%, 63.100% 7.600%, 65.500% 9.200%, 67.800% 11.000%, 70.100% 12.900%, 72.300% 14.900%, 74.500% 17.000%, 76.600% 19.200%, 78.600% 21.400%, 80.700% 23.600%, 83.200% 25.800%);\n}\n\n\n@keyframes animated {\n  0% {\n   clip-path: polygon(83.200% 25.800%, 85.100% 28.100%, 86.900% 30.400%, 88.600% 32.700%, 90.200% 35.000%, 91.800% 37.300%, 93.200% 39.600%, 94.500% 41.900%, 95.800% 44.100%, 96.900% 46.400%, 97.800% 48.700%, 98.600% 51.000%, 99.300% 53.300%, 99.800% 55.700%, 100.000% 58.100%, 100.100% 60.500%, 100.000% 63.000%, 99.700% 65.400%, 99.200% 67.800%, 98.500% 70.200%, 97.600% 72.600%, 96.500% 75.000%, 95.200% 77.400%, 93.700% 79.700%, 92.100% 81.900%, 90.300% 84.000%, 88.300% 86.100%, 86.200% 88.100%, 84.000% 89.900%, 81.600% 91.600%, 79.100% 93.200%, 76.500% 94.600%, 73.800% 95.800%, 71.000% 96.900%, 68.000% 97.900%, 65.000% 98.600%, 61.900% 99.200%, 58.800% 99.600%, 55.700% 99.800%, 52.600% 99.900%, 49.500% 99.800%, 46.400% 99.600%, 43.400% 99.200%, 40.400% 98.600%, 37.500% 97.900%, 34.700% 97.000%, 32.000% 96.000%, 29.400% 94.800%, 27.000% 93.500%, 24.700% 92.000%, 22.300% 90.500%, 20.400% 88.800%, 18.600% 87.000%, 16.900% 85.100%, 15.400% 83.000%, 14.000% 80.800%, 12.600% 78.600%, 11.400% 76.300%, 10.200% 74.000%, 8.900% 71.300%, 8.000% 68.800%, 7.100% 66.300%, 6.200% 63.800%, 5.400% 61.200%, 4.600% 58.600%, 3.800% 55.900%, 3.100% 53.200%, 2.400% 50.500%, 1.700% 47.800%, 1.100% 45.200%, 0.700% 42.500%, 0.400% 39.900%, 0.200% 37.300%, 0.000% 34.700%, 0.100% 32.200%, 0.300% 29.700%, 0.700% 27.300%, 1.300% 24.900%, 2.100% 22.600%, 3.100% 20.300%, 4.300% 18.100%, 5.800% 16.000%, 7.500% 14.000%, 9.400% 12.100%, 11.500% 10.300%, 13.800% 8.600%, 16.200% 7.000%, 18.800% 5.600%, 21.500% 4.300%, 24.300% 3.100%, 27.200% 2.200%, 30.100% 1.400%, 33.100% 0.800%, 36.000% 0.400%, 38.900% 0.200%, 41.800% 0.200%, 44.600% 0.400%, 47.400% 0.800%, 50.200% 1.500%, 52.900% 2.400%, 55.500% 3.400%, 58.100% 4.600%, 60.600% 6.000%, 63.100% 7.600%, 65.500% 9.200%, 67.800% 11.000%, 70.100% 12.900%, 72.300% 14.900%, 74.500% 17.000%, 76.600% 19.200%, 78.600% 21.400%, 80.700% 23.600%, 83.200% 25.800%);\n   -webkit-clip-path: polygon(83.200% 25.800%, 85.100% 28.100%, 86.900% 30.400%, 88.600% 32.700%, 90.200% 35.000%, 91.800% 37.300%, 93.200% 39.600%, 94.500% 41.900%, 95.800% 44.100%, 96.900% 46.400%, 97.800% 48.700%, 98.600% 51.000%, 99.300% 53.300%, 99.800% 55.700%, 100.000% 58.100%, 100.100% 60.500%, 100.000% 63.000%, 99.700% 65.400%, 99.200% 67.800%, 98.500% 70.200%, 97.600% 72.600%, 96.500% 75.000%, 95.200% 77.400%, 93.700% 79.700%, 92.100% 81.900%, 90.300% 84.000%, 88.300% 86.100%, 86.200% 88.100%, 84.000% 89.900%, 81.600% 91.600%, 79.100% 93.200%, 76.500% 94.600%, 73.800% 95.800%, 71.000% 96.900%, 68.000% 97.900%, 65.000% 98.600%, 61.900% 99.200%, 58.800% 99.600%, 55.700% 99.800%, 52.600% 99.900%, 49.500% 99.800%, 46.400% 99.600%, 43.400% 99.200%, 40.400% 98.600%, 37.500% 97.900%, 34.700% 97.000%, 32.000% 96.000%, 29.400% 94.800%, 27.000% 93.500%, 24.700% 92.000%, 22.300% 90.500%, 20.400% 88.800%, 18.600% 87.000%, 16.900% 85.100%, 15.400% 83.000%, 14.000% 80.800%, 12.600% 78.600%, 11.400% 76.300%, 10.200% 74.000%, 8.900% 71.300%, 8.000% 68.800%, 7.100% 66.300%, 6.200% 63.800%, 5.400% 61.200%, 4.600% 58.600%, 3.800% 55.900%, 3.100% 53.200%, 2.400% 50.500%, 1.700% 47.800%, 1.100% 45.200%, 0.700% 42.500%, 0.400% 39.900%, 0.200% 37.300%, 0.000% 34.700%, 0.100% 32.200%, 0.300% 29.700%, 0.700% 27.300%, 1.300% 24.900%, 2.100% 22.600%, 3.100% 20.300%, 4.300% 18.100%, 5.800% 16.000%, 7.500% 14.000%, 9.400% 12.100%, 11.500% 10.300%, 13.800% 8.600%, 16.200% 7.000%, 18.800% 5.600%, 21.500% 4.300%, 24.300% 3.100%, 27.200% 2.200%, 30.100% 1.400%, 33.100% 0.800%, 36.000% 0.400%, 38.900% 0.200%, 41.800% 0.200%, 44.600% 0.400%, 47.400% 0.800%, 50.200% 1.500%, 52.900% 2.400%, 55.500% 3.400%, 58.100% 4.600%, 60.600% 6.000%, 63.100% 7.600%, 65.500% 9.200%, 67.800% 11.000%, 70.100% 12.900%, 72.300% 14.900%, 74.500% 17.000%, 76.600% 19.200%, 78.600% 21.400%, 80.700% 23.600%, 83.200% 25.800%);\n  }\n  50% {\n    clip-path: polygon(98.400% 19.800%, 99.300% 22.300%, 99.800% 24.900%, 100.000% 27.600%, 99.900% 30.400%, 99.600% 33.200%, 99.000% 36.100%, 98.200% 39.000%, 97.300% 42.000%, 96.200% 45.000%, 95.000% 48.000%, 93.700% 51.000%, 92.400% 54.000%, 91.100% 57.000%, 89.800% 60.000%, 88.500% 63.000%, 87.200% 65.900%, 86.000% 68.800%, 84.900% 71.600%, 83.900% 74.300%, 82.900% 77.000%, 81.900% 79.600%, 80.900% 82.100%, 80.000% 84.400%, 79.000% 86.600%, 78.000% 88.700%, 77.000% 90.600%, 75.900% 92.400%, 74.800% 94.000%, 73.600% 95.400%, 72.300% 96.600%, 70.900% 97.600%, 69.400% 98.400%, 67.800% 99.000%, 66.100% 99.400%, 64.200% 99.600%, 62.200% 99.600%, 60.100% 99.500%, 58.000% 99.200%, 55.800% 98.800%, 53.500% 98.200%, 51.100% 97.500%, 48.700% 96.700%, 46.200% 95.800%, 43.700% 94.900%, 41.100% 93.900%, 38.500% 92.900%, 35.900% 91.800%, 33.300% 90.700%, 30.700% 89.600%, 28.100% 88.500%, 25.500% 87.400%, 23.000% 86.300%, 20.500% 85.100%, 18.100% 83.900%, 15.800% 82.700%, 13.600% 81.400%, 11.500% 80.100%, 9.500% 78.700%, 7.700% 77.300%, 6.000% 75.800%, 4.500% 74.200%, 3.200% 72.500%, 2.100% 70.800%, 1.400% 69.400%, 0.700% 67.500%, 0.300% 65.500%, 0.100% 63.400%, 0.000% 61.200%, 0.200% 59.000%, 0.600% 56.700%, 1.100% 54.400%, 1.800% 52.000%, 2.700% 49.600%, 3.700% 47.100%, 4.900% 44.600%, 6.200% 42.000%, 7.600% 39.400%, 9.200% 36.800%, 10.900% 34.200%, 12.700% 31.600%, 14.600% 29.000%, 16.600% 26.400%, 18.700% 23.800%, 20.900% 21.300%, 23.100% 18.800%, 25.400% 16.400%, 27.800% 14.100%, 30.300% 11.900%, 32.900% 9.800%, 35.600% 7.900%, 38.400% 6.200%, 41.300% 4.600%, 44.300% 3.200%, 47.400% 2.100%, 50.600% 1.200%, 53.900% 0.600%, 57.200% 0.200%, 60.500% 0.000%, 63.900% 0.100%, 67.300% 0.500%, 70.700% 1.100%, 74.100% 1.900%, 77.400% 2.900%, 80.600% 4.100%, 83.600% 5.500%, 86.500% 7.100%, 89.200% 8.900%, 91.600% 10.800%, 93.800% 12.800%, 95.700% 15.000%, 97.300% 17.300%, 98.400% 19.800%);\n   -webkit-clip-path: polygon(98.400% 19.800%, 99.300% 22.300%, 99.800% 24.900%, 100.000% 27.600%, 99.900% 30.400%, 99.600% 33.200%, 99.000% 36.100%, 98.200% 39.000%, 97.300% 42.000%, 96.200% 45.000%, 95.000% 48.000%, 93.700% 51.000%, 92.400% 54.000%, 91.100% 57.000%, 89.800% 60.000%, 88.500% 63.000%, 87.200% 65.900%, 86.000% 68.800%, 84.900% 71.600%, 83.900% 74.300%, 82.900% 77.000%, 81.900% 79.600%, 80.900% 82.100%, 80.000% 84.400%, 79.000% 86.600%, 78.000% 88.700%, 77.000% 90.600%, 75.900% 92.400%, 74.800% 94.000%, 73.600% 95.400%, 72.300% 96.600%, 70.900% 97.600%, 69.400% 98.400%, 67.800% 99.000%, 66.100% 99.400%, 64.200% 99.600%, 62.200% 99.600%, 60.100% 99.500%, 58.000% 99.200%, 55.800% 98.800%, 53.500% 98.200%, 51.100% 97.500%, 48.700% 96.700%, 46.200% 95.800%, 43.700% 94.900%, 41.100% 93.900%, 38.500% 92.900%, 35.900% 91.800%, 33.300% 90.700%, 30.700% 89.600%, 28.100% 88.500%, 25.500% 87.400%, 23.000% 86.300%, 20.500% 85.100%, 18.100% 83.900%, 15.800% 82.700%, 13.600% 81.400%, 11.500% 80.100%, 9.500% 78.700%, 7.700% 77.300%, 6.000% 75.800%, 4.500% 74.200%, 3.200% 72.500%, 2.100% 70.800%, 1.400% 69.400%, 0.700% 67.500%, 0.300% 65.500%, 0.100% 63.400%, 0.000% 61.200%, 0.200% 59.000%, 0.600% 56.700%, 1.100% 54.400%, 1.800% 52.000%, 2.700% 49.600%, 3.700% 47.100%, 4.900% 44.600%, 6.200% 42.000%, 7.600% 39.400%, 9.200% 36.800%, 10.900% 34.200%, 12.700% 31.600%, 14.600% 29.000%, 16.600% 26.400%, 18.700% 23.800%, 20.900% 21.300%, 23.100% 18.800%, 25.400% 16.400%, 27.800% 14.100%, 30.300% 11.900%, 32.900% 9.800%, 35.600% 7.900%, 38.400% 6.200%, 41.300% 4.600%, 44.300% 3.200%, 47.400% 2.100%, 50.600% 1.200%, 53.900% 0.600%, 57.200% 0.200%, 60.500% 0.000%, 63.900% 0.100%, 67.300% 0.500%, 70.700% 1.100%, 74.100% 1.900%, 77.400% 2.900%, 80.600% 4.100%, 83.600% 5.500%, 86.500% 7.100%, 89.200% 8.900%, 91.600% 10.800%, 93.800% 12.800%, 95.700% 15.000%, 97.300% 17.300%, 98.400% 19.800%);\n  }\n  100% {\n    clip-path: polygon(96.500% 13.800%, 97.700% 15.900%, 98.600% 18.100%, 99.300% 20.500%, 99.700% 23.000%, 99.900% 25.600%, 99.900% 28.300%, 99.700% 31.100%, 99.500% 34.000%, 99.000% 36.900%, 98.400% 39.900%, 97.700% 42.900%, 96.900% 45.900%, 96.000% 49.000%, 95.100% 52.100%, 94.100% 55.200%, 93.100% 58.200%, 92.100% 61.200%, 91.100% 64.100%, 90.100% 67.000%, 89.100% 69.800%, 88.000% 72.600%, 86.900% 75.300%, 85.700% 77.900%, 84.500% 80.400%, 83.200% 82.800%, 81.800% 85.100%, 80.300% 87.200%, 78.700% 89.200%, 77.000% 91.000%, 75.200% 92.700%, 73.300% 94.200%, 71.200% 95.600%, 69.000% 96.800%, 66.700% 97.800%, 64.300% 98.600%, 61.800% 99.200%, 59.200% 99.700%, 56.500% 100.000%, 53.800% 100.100%, 51.000% 100.100%, 48.200% 99.900%, 45.400% 99.600%, 42.600% 99.100%, 39.800% 98.500%, 37.000% 97.700%, 34.300% 96.800%, 31.700% 95.700%, 29.100% 94.500%, 26.600% 93.100%, 24.200% 91.600%, 21.900% 90.000%, 19.700% 88.300%, 17.600% 86.500%, 15.600% 84.500%, 13.700% 82.400%, 11.900% 80.300%, 10.300% 78.100%, 8.800% 75.800%, 7.400% 73.400%, 6.100% 70.900%, 4.900% 68.400%, 3.800% 65.800%, 2.800% 63.100%, 2.000% 60.400%, 1.300% 57.600%, 0.700% 54.800%, 0.200% 52.000%, -0.100% 49.200%, -0.300% 46.400%, 0.000% 43.300%, 0.100% 40.500%, 0.300% 37.700%, 0.700% 35.000%, 1.200% 32.300%, 1.900% 29.700%, 2.800% 27.200%, 3.800% 24.700%, 5.000% 22.300%, 6.400% 20.000%, 8.000% 17.900%, 9.800% 15.900%, 11.700% 14.000%, 13.800% 12.200%, 16.100% 10.500%, 18.500% 9.000%, 21.000% 7.600%, 23.700% 6.300%, 26.500% 5.100%, 29.400% 4.100%, 32.400% 3.200%, 35.500% 2.400%, 38.700% 1.700%, 41.900% 1.100%, 45.200% 0.600%, 48.500% 0.300%, 51.900% 0.100%, 55.300% 0.000%, 58.700% 0.000%, 62.100% 0.100%, 65.500% 0.300%, 68.800% 0.700%, 72.100% 1.200%, 75.300% 1.800%, 78.400% 2.600%, 81.300% 3.500%, 84.100% 4.500%, 86.700% 5.700%, 89.100% 7.000%, 91.300% 8.500%, 93.300% 10.100%, 95.000% 11.900%, 96.500% 13.800%);\n   -webkit-clip-path: polygon(96.500% 13.800%, 97.700% 15.900%, 98.600% 18.100%, 99.300% 20.500%, 99.700% 23.000%, 99.900% 25.600%, 99.900% 28.300%, 99.700% 31.100%, 99.500% 34.000%, 99.000% 36.900%, 98.400% 39.900%, 97.700% 42.900%, 96.900% 45.900%, 96.000% 49.000%, 95.100% 52.100%, 94.100% 55.200%, 93.100% 58.200%, 92.100% 61.200%, 91.100% 64.100%, 90.100% 67.000%, 89.100% 69.800%, 88.000% 72.600%, 86.900% 75.300%, 85.700% 77.900%, 84.500% 80.400%, 83.200% 82.800%, 81.800% 85.100%, 80.300% 87.200%, 78.700% 89.200%, 77.000% 91.000%, 75.200% 92.700%, 73.300% 94.200%, 71.200% 95.600%, 69.000% 96.800%, 66.700% 97.800%, 64.300% 98.600%, 61.800% 99.200%, 59.200% 99.700%, 56.500% 100.000%, 53.800% 100.100%, 51.000% 100.100%, 48.200% 99.900%, 45.400% 99.600%, 42.600% 99.100%, 39.800% 98.500%, 37.000% 97.700%, 34.300% 96.800%, 31.700% 95.700%, 29.100% 94.500%, 26.600% 93.100%, 24.200% 91.600%, 21.900% 90.000%, 19.700% 88.300%, 17.600% 86.500%, 15.600% 84.500%, 13.700% 82.400%, 11.900% 80.300%, 10.300% 78.100%, 8.800% 75.800%, 7.400% 73.400%, 6.100% 70.900%, 4.900% 68.400%, 3.800% 65.800%, 2.800% 63.100%, 2.000% 60.400%, 1.300% 57.600%, 0.700% 54.800%, 0.200% 52.000%, -0.100% 49.200%, -0.300% 46.400%, 0.000% 43.300%, 0.100% 40.500%, 0.300% 37.700%, 0.700% 35.000%, 1.200% 32.300%, 1.900% 29.700%, 2.800% 27.200%, 3.800% 24.700%, 5.000% 22.300%, 6.400% 20.000%, 8.000% 17.900%, 9.800% 15.900%, 11.700% 14.000%, 13.800% 12.200%, 16.100% 10.500%, 18.500% 9.000%, 21.000% 7.600%, 23.700% 6.300%, 26.500% 5.100%, 29.400% 4.100%, 32.400% 3.200%, 35.500% 2.400%, 38.700% 1.700%, 41.900% 1.100%, 45.200% 0.600%, 48.500% 0.300%, 51.900% 0.100%, 55.300% 0.000%, 58.700% 0.000%, 62.100% 0.100%, 65.500% 0.300%, 68.800% 0.700%, 72.100% 1.200%, 75.300% 1.800%, 78.400% 2.600%, 81.300% 3.500%, 84.100% 4.500%, 86.700% 5.700%, 89.100% 7.000%, 91.300% 8.500%, 93.300% 10.100%, 95.000% 11.900%, 96.500% 13.800%);\n  }\n}\n\t \n\t\n\n\n#uc_blob_shapes_elementor_71d57e86 {\n  \taspect-ratio: 1 \/ 1; \n    width:100%;\n  \t\n}\n\n\n\n.ue-blob-text-holder\n{\n  position:absolute;\n  top:0px;\n  left:0px;\n  right:0px;\n  bottom:0px;\n  width:100%;\n  height:100%;\n  z-index:2;\n  display:flex;\n  justify-content:center;\n  flex-direction:column;\n}\n\n.ue_blob_inside\n{\n  position:relative;\n}\n\n<\/style>\n\n<div id=\"uc_blob_shapes_elementor_71d57e86_justification\" class=\"ue-blob-wrapper\">\n  \n  <div id=\"uc_blob_shapes_elementor_71d57e86_size\" class=\"ue_blob_inside\">\n  \n    \t\n        \n      <div id=\"uc_blob_shapes_elementor_71d57e86\" style=\"background-image:url(\/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/riesgos.webp)\" class=\"blob\" ><\/div>\n        \n      <div class=\"ue-blob-text-holder\">\n                            <\/div>\n        \n      \n  <\/div>\n  \n    \n<\/div>\n<!-- end Blob Shapes -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-400dd39a e-flex e-con-boxed e-con e-parent\" data-id=\"400dd39a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;tilt&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ca4b095 e-flex e-con-boxed e-con e-child\" data-id=\"1ca4b095\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6badc683 elementor-widget elementor-widget-ucaddon_blob_shapes\" data-id=\"6badc683\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_blob_shapes.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Blob Shapes -->\n<style>\/* widget: Blob Shapes *\/\n\n#uc_blob_shapes_elementor_6badc683\n{\n  mix-blend-mode: overlay;\n  background-size:cover;\n  background-repeat:no-repeat;\n  background-position:right center;\n  opacity: 100%;\n \n}\n\n#uc_blob_shapes_elementor_6badc683_justification #uc_blob_shapes_elementor_6badc683_justification-inner{\n  position: absolute;\n  background-position:right center;\n  top: 0;\n  left: 0;\n  z-index: 1;\n  width: 100%;\n  height: 100%;\n  display: flex;\n}\n\n#uc_blob_shapes_elementor_6badc683_justification #uc_blob_shapes_elementor_6badc683_justification-inner .ue_blob_inside{\n\twidth: 100%;\n}\n\n#uc_blob_shapes_elementor_6badc683_justification #uc_blob_shapes_elementor_6badc683_justification-inner .blob{\n  background-position:right center;\n  background-size:cover;\n  background-repeat:no-repeat;\n  background-color: #000;\n}\n\n#uc_blob_shapes_elementor_6badc683_justification\n{\n  display:flex;\n  min-height:1px;\n  position: relative;\n}\n\n#uc_blob_shapes_elementor_6badc683_justification .ue_blob_inside {\n  position: relative;\n  z-index: 2;\n  overflow:hidden;\n  width: 100%;\n  clip-path: animated;\n  -webkit-clip-path: animated;\n  background:linear-gradient(45deg,  0%, 50%,  100%); \n\n}\n\n\n\n#uc_blob_shapes_elementor_6badc683_size{\n  animation-name: animated;\n  animation-iteration-count: infinite;\n  animation-direction: alternate;\n  animation-timing-function: linear;\n  clip-path: polygon(83.200% 25.800%, 85.100% 28.100%, 86.900% 30.400%, 88.600% 32.700%, 90.200% 35.000%, 91.800% 37.300%, 93.200% 39.600%, 94.500% 41.900%, 95.800% 44.100%, 96.900% 46.400%, 97.800% 48.700%, 98.600% 51.000%, 99.300% 53.300%, 99.800% 55.700%, 100.000% 58.100%, 100.100% 60.500%, 100.000% 63.000%, 99.700% 65.400%, 99.200% 67.800%, 98.500% 70.200%, 97.600% 72.600%, 96.500% 75.000%, 95.200% 77.400%, 93.700% 79.700%, 92.100% 81.900%, 90.300% 84.000%, 88.300% 86.100%, 86.200% 88.100%, 84.000% 89.900%, 81.600% 91.600%, 79.100% 93.200%, 76.500% 94.600%, 73.800% 95.800%, 71.000% 96.900%, 68.000% 97.900%, 65.000% 98.600%, 61.900% 99.200%, 58.800% 99.600%, 55.700% 99.800%, 52.600% 99.900%, 49.500% 99.800%, 46.400% 99.600%, 43.400% 99.200%, 40.400% 98.600%, 37.500% 97.900%, 34.700% 97.000%, 32.000% 96.000%, 29.400% 94.800%, 27.000% 93.500%, 24.700% 92.000%, 22.300% 90.500%, 20.400% 88.800%, 18.600% 87.000%, 16.900% 85.100%, 15.400% 83.000%, 14.000% 80.800%, 12.600% 78.600%, 11.400% 76.300%, 10.200% 74.000%, 8.900% 71.300%, 8.000% 68.800%, 7.100% 66.300%, 6.200% 63.800%, 5.400% 61.200%, 4.600% 58.600%, 3.800% 55.900%, 3.100% 53.200%, 2.400% 50.500%, 1.700% 47.800%, 1.100% 45.200%, 0.700% 42.500%, 0.400% 39.900%, 0.200% 37.300%, 0.000% 34.700%, 0.100% 32.200%, 0.300% 29.700%, 0.700% 27.300%, 1.300% 24.900%, 2.100% 22.600%, 3.100% 20.300%, 4.300% 18.100%, 5.800% 16.000%, 7.500% 14.000%, 9.400% 12.100%, 11.500% 10.300%, 13.800% 8.600%, 16.200% 7.000%, 18.800% 5.600%, 21.500% 4.300%, 24.300% 3.100%, 27.200% 2.200%, 30.100% 1.400%, 33.100% 0.800%, 36.000% 0.400%, 38.900% 0.200%, 41.800% 0.200%, 44.600% 0.400%, 47.400% 0.800%, 50.200% 1.500%, 52.900% 2.400%, 55.500% 3.400%, 58.100% 4.600%, 60.600% 6.000%, 63.100% 7.600%, 65.500% 9.200%, 67.800% 11.000%, 70.100% 12.900%, 72.300% 14.900%, 74.500% 17.000%, 76.600% 19.200%, 78.600% 21.400%, 80.700% 23.600%, 83.200% 25.800%);\n   -webkit-clip-path: polygon(83.200% 25.800%, 85.100% 28.100%, 86.900% 30.400%, 88.600% 32.700%, 90.200% 35.000%, 91.800% 37.300%, 93.200% 39.600%, 94.500% 41.900%, 95.800% 44.100%, 96.900% 46.400%, 97.800% 48.700%, 98.600% 51.000%, 99.300% 53.300%, 99.800% 55.700%, 100.000% 58.100%, 100.100% 60.500%, 100.000% 63.000%, 99.700% 65.400%, 99.200% 67.800%, 98.500% 70.200%, 97.600% 72.600%, 96.500% 75.000%, 95.200% 77.400%, 93.700% 79.700%, 92.100% 81.900%, 90.300% 84.000%, 88.300% 86.100%, 86.200% 88.100%, 84.000% 89.900%, 81.600% 91.600%, 79.100% 93.200%, 76.500% 94.600%, 73.800% 95.800%, 71.000% 96.900%, 68.000% 97.900%, 65.000% 98.600%, 61.900% 99.200%, 58.800% 99.600%, 55.700% 99.800%, 52.600% 99.900%, 49.500% 99.800%, 46.400% 99.600%, 43.400% 99.200%, 40.400% 98.600%, 37.500% 97.900%, 34.700% 97.000%, 32.000% 96.000%, 29.400% 94.800%, 27.000% 93.500%, 24.700% 92.000%, 22.300% 90.500%, 20.400% 88.800%, 18.600% 87.000%, 16.900% 85.100%, 15.400% 83.000%, 14.000% 80.800%, 12.600% 78.600%, 11.400% 76.300%, 10.200% 74.000%, 8.900% 71.300%, 8.000% 68.800%, 7.100% 66.300%, 6.200% 63.800%, 5.400% 61.200%, 4.600% 58.600%, 3.800% 55.900%, 3.100% 53.200%, 2.400% 50.500%, 1.700% 47.800%, 1.100% 45.200%, 0.700% 42.500%, 0.400% 39.900%, 0.200% 37.300%, 0.000% 34.700%, 0.100% 32.200%, 0.300% 29.700%, 0.700% 27.300%, 1.300% 24.900%, 2.100% 22.600%, 3.100% 20.300%, 4.300% 18.100%, 5.800% 16.000%, 7.500% 14.000%, 9.400% 12.100%, 11.500% 10.300%, 13.800% 8.600%, 16.200% 7.000%, 18.800% 5.600%, 21.500% 4.300%, 24.300% 3.100%, 27.200% 2.200%, 30.100% 1.400%, 33.100% 0.800%, 36.000% 0.400%, 38.900% 0.200%, 41.800% 0.200%, 44.600% 0.400%, 47.400% 0.800%, 50.200% 1.500%, 52.900% 2.400%, 55.500% 3.400%, 58.100% 4.600%, 60.600% 6.000%, 63.100% 7.600%, 65.500% 9.200%, 67.800% 11.000%, 70.100% 12.900%, 72.300% 14.900%, 74.500% 17.000%, 76.600% 19.200%, 78.600% 21.400%, 80.700% 23.600%, 83.200% 25.800%);\n}\n\n\n@keyframes animated {\n  0% {\n   clip-path: polygon(83.200% 25.800%, 85.100% 28.100%, 86.900% 30.400%, 88.600% 32.700%, 90.200% 35.000%, 91.800% 37.300%, 93.200% 39.600%, 94.500% 41.900%, 95.800% 44.100%, 96.900% 46.400%, 97.800% 48.700%, 98.600% 51.000%, 99.300% 53.300%, 99.800% 55.700%, 100.000% 58.100%, 100.100% 60.500%, 100.000% 63.000%, 99.700% 65.400%, 99.200% 67.800%, 98.500% 70.200%, 97.600% 72.600%, 96.500% 75.000%, 95.200% 77.400%, 93.700% 79.700%, 92.100% 81.900%, 90.300% 84.000%, 88.300% 86.100%, 86.200% 88.100%, 84.000% 89.900%, 81.600% 91.600%, 79.100% 93.200%, 76.500% 94.600%, 73.800% 95.800%, 71.000% 96.900%, 68.000% 97.900%, 65.000% 98.600%, 61.900% 99.200%, 58.800% 99.600%, 55.700% 99.800%, 52.600% 99.900%, 49.500% 99.800%, 46.400% 99.600%, 43.400% 99.200%, 40.400% 98.600%, 37.500% 97.900%, 34.700% 97.000%, 32.000% 96.000%, 29.400% 94.800%, 27.000% 93.500%, 24.700% 92.000%, 22.300% 90.500%, 20.400% 88.800%, 18.600% 87.000%, 16.900% 85.100%, 15.400% 83.000%, 14.000% 80.800%, 12.600% 78.600%, 11.400% 76.300%, 10.200% 74.000%, 8.900% 71.300%, 8.000% 68.800%, 7.100% 66.300%, 6.200% 63.800%, 5.400% 61.200%, 4.600% 58.600%, 3.800% 55.900%, 3.100% 53.200%, 2.400% 50.500%, 1.700% 47.800%, 1.100% 45.200%, 0.700% 42.500%, 0.400% 39.900%, 0.200% 37.300%, 0.000% 34.700%, 0.100% 32.200%, 0.300% 29.700%, 0.700% 27.300%, 1.300% 24.900%, 2.100% 22.600%, 3.100% 20.300%, 4.300% 18.100%, 5.800% 16.000%, 7.500% 14.000%, 9.400% 12.100%, 11.500% 10.300%, 13.800% 8.600%, 16.200% 7.000%, 18.800% 5.600%, 21.500% 4.300%, 24.300% 3.100%, 27.200% 2.200%, 30.100% 1.400%, 33.100% 0.800%, 36.000% 0.400%, 38.900% 0.200%, 41.800% 0.200%, 44.600% 0.400%, 47.400% 0.800%, 50.200% 1.500%, 52.900% 2.400%, 55.500% 3.400%, 58.100% 4.600%, 60.600% 6.000%, 63.100% 7.600%, 65.500% 9.200%, 67.800% 11.000%, 70.100% 12.900%, 72.300% 14.900%, 74.500% 17.000%, 76.600% 19.200%, 78.600% 21.400%, 80.700% 23.600%, 83.200% 25.800%);\n   -webkit-clip-path: polygon(83.200% 25.800%, 85.100% 28.100%, 86.900% 30.400%, 88.600% 32.700%, 90.200% 35.000%, 91.800% 37.300%, 93.200% 39.600%, 94.500% 41.900%, 95.800% 44.100%, 96.900% 46.400%, 97.800% 48.700%, 98.600% 51.000%, 99.300% 53.300%, 99.800% 55.700%, 100.000% 58.100%, 100.100% 60.500%, 100.000% 63.000%, 99.700% 65.400%, 99.200% 67.800%, 98.500% 70.200%, 97.600% 72.600%, 96.500% 75.000%, 95.200% 77.400%, 93.700% 79.700%, 92.100% 81.900%, 90.300% 84.000%, 88.300% 86.100%, 86.200% 88.100%, 84.000% 89.900%, 81.600% 91.600%, 79.100% 93.200%, 76.500% 94.600%, 73.800% 95.800%, 71.000% 96.900%, 68.000% 97.900%, 65.000% 98.600%, 61.900% 99.200%, 58.800% 99.600%, 55.700% 99.800%, 52.600% 99.900%, 49.500% 99.800%, 46.400% 99.600%, 43.400% 99.200%, 40.400% 98.600%, 37.500% 97.900%, 34.700% 97.000%, 32.000% 96.000%, 29.400% 94.800%, 27.000% 93.500%, 24.700% 92.000%, 22.300% 90.500%, 20.400% 88.800%, 18.600% 87.000%, 16.900% 85.100%, 15.400% 83.000%, 14.000% 80.800%, 12.600% 78.600%, 11.400% 76.300%, 10.200% 74.000%, 8.900% 71.300%, 8.000% 68.800%, 7.100% 66.300%, 6.200% 63.800%, 5.400% 61.200%, 4.600% 58.600%, 3.800% 55.900%, 3.100% 53.200%, 2.400% 50.500%, 1.700% 47.800%, 1.100% 45.200%, 0.700% 42.500%, 0.400% 39.900%, 0.200% 37.300%, 0.000% 34.700%, 0.100% 32.200%, 0.300% 29.700%, 0.700% 27.300%, 1.300% 24.900%, 2.100% 22.600%, 3.100% 20.300%, 4.300% 18.100%, 5.800% 16.000%, 7.500% 14.000%, 9.400% 12.100%, 11.500% 10.300%, 13.800% 8.600%, 16.200% 7.000%, 18.800% 5.600%, 21.500% 4.300%, 24.300% 3.100%, 27.200% 2.200%, 30.100% 1.400%, 33.100% 0.800%, 36.000% 0.400%, 38.900% 0.200%, 41.800% 0.200%, 44.600% 0.400%, 47.400% 0.800%, 50.200% 1.500%, 52.900% 2.400%, 55.500% 3.400%, 58.100% 4.600%, 60.600% 6.000%, 63.100% 7.600%, 65.500% 9.200%, 67.800% 11.000%, 70.100% 12.900%, 72.300% 14.900%, 74.500% 17.000%, 76.600% 19.200%, 78.600% 21.400%, 80.700% 23.600%, 83.200% 25.800%);\n  }\n  50% {\n    clip-path: polygon(98.400% 19.800%, 99.300% 22.300%, 99.800% 24.900%, 100.000% 27.600%, 99.900% 30.400%, 99.600% 33.200%, 99.000% 36.100%, 98.200% 39.000%, 97.300% 42.000%, 96.200% 45.000%, 95.000% 48.000%, 93.700% 51.000%, 92.400% 54.000%, 91.100% 57.000%, 89.800% 60.000%, 88.500% 63.000%, 87.200% 65.900%, 86.000% 68.800%, 84.900% 71.600%, 83.900% 74.300%, 82.900% 77.000%, 81.900% 79.600%, 80.900% 82.100%, 80.000% 84.400%, 79.000% 86.600%, 78.000% 88.700%, 77.000% 90.600%, 75.900% 92.400%, 74.800% 94.000%, 73.600% 95.400%, 72.300% 96.600%, 70.900% 97.600%, 69.400% 98.400%, 67.800% 99.000%, 66.100% 99.400%, 64.200% 99.600%, 62.200% 99.600%, 60.100% 99.500%, 58.000% 99.200%, 55.800% 98.800%, 53.500% 98.200%, 51.100% 97.500%, 48.700% 96.700%, 46.200% 95.800%, 43.700% 94.900%, 41.100% 93.900%, 38.500% 92.900%, 35.900% 91.800%, 33.300% 90.700%, 30.700% 89.600%, 28.100% 88.500%, 25.500% 87.400%, 23.000% 86.300%, 20.500% 85.100%, 18.100% 83.900%, 15.800% 82.700%, 13.600% 81.400%, 11.500% 80.100%, 9.500% 78.700%, 7.700% 77.300%, 6.000% 75.800%, 4.500% 74.200%, 3.200% 72.500%, 2.100% 70.800%, 1.400% 69.400%, 0.700% 67.500%, 0.300% 65.500%, 0.100% 63.400%, 0.000% 61.200%, 0.200% 59.000%, 0.600% 56.700%, 1.100% 54.400%, 1.800% 52.000%, 2.700% 49.600%, 3.700% 47.100%, 4.900% 44.600%, 6.200% 42.000%, 7.600% 39.400%, 9.200% 36.800%, 10.900% 34.200%, 12.700% 31.600%, 14.600% 29.000%, 16.600% 26.400%, 18.700% 23.800%, 20.900% 21.300%, 23.100% 18.800%, 25.400% 16.400%, 27.800% 14.100%, 30.300% 11.900%, 32.900% 9.800%, 35.600% 7.900%, 38.400% 6.200%, 41.300% 4.600%, 44.300% 3.200%, 47.400% 2.100%, 50.600% 1.200%, 53.900% 0.600%, 57.200% 0.200%, 60.500% 0.000%, 63.900% 0.100%, 67.300% 0.500%, 70.700% 1.100%, 74.100% 1.900%, 77.400% 2.900%, 80.600% 4.100%, 83.600% 5.500%, 86.500% 7.100%, 89.200% 8.900%, 91.600% 10.800%, 93.800% 12.800%, 95.700% 15.000%, 97.300% 17.300%, 98.400% 19.800%);\n   -webkit-clip-path: polygon(98.400% 19.800%, 99.300% 22.300%, 99.800% 24.900%, 100.000% 27.600%, 99.900% 30.400%, 99.600% 33.200%, 99.000% 36.100%, 98.200% 39.000%, 97.300% 42.000%, 96.200% 45.000%, 95.000% 48.000%, 93.700% 51.000%, 92.400% 54.000%, 91.100% 57.000%, 89.800% 60.000%, 88.500% 63.000%, 87.200% 65.900%, 86.000% 68.800%, 84.900% 71.600%, 83.900% 74.300%, 82.900% 77.000%, 81.900% 79.600%, 80.900% 82.100%, 80.000% 84.400%, 79.000% 86.600%, 78.000% 88.700%, 77.000% 90.600%, 75.900% 92.400%, 74.800% 94.000%, 73.600% 95.400%, 72.300% 96.600%, 70.900% 97.600%, 69.400% 98.400%, 67.800% 99.000%, 66.100% 99.400%, 64.200% 99.600%, 62.200% 99.600%, 60.100% 99.500%, 58.000% 99.200%, 55.800% 98.800%, 53.500% 98.200%, 51.100% 97.500%, 48.700% 96.700%, 46.200% 95.800%, 43.700% 94.900%, 41.100% 93.900%, 38.500% 92.900%, 35.900% 91.800%, 33.300% 90.700%, 30.700% 89.600%, 28.100% 88.500%, 25.500% 87.400%, 23.000% 86.300%, 20.500% 85.100%, 18.100% 83.900%, 15.800% 82.700%, 13.600% 81.400%, 11.500% 80.100%, 9.500% 78.700%, 7.700% 77.300%, 6.000% 75.800%, 4.500% 74.200%, 3.200% 72.500%, 2.100% 70.800%, 1.400% 69.400%, 0.700% 67.500%, 0.300% 65.500%, 0.100% 63.400%, 0.000% 61.200%, 0.200% 59.000%, 0.600% 56.700%, 1.100% 54.400%, 1.800% 52.000%, 2.700% 49.600%, 3.700% 47.100%, 4.900% 44.600%, 6.200% 42.000%, 7.600% 39.400%, 9.200% 36.800%, 10.900% 34.200%, 12.700% 31.600%, 14.600% 29.000%, 16.600% 26.400%, 18.700% 23.800%, 20.900% 21.300%, 23.100% 18.800%, 25.400% 16.400%, 27.800% 14.100%, 30.300% 11.900%, 32.900% 9.800%, 35.600% 7.900%, 38.400% 6.200%, 41.300% 4.600%, 44.300% 3.200%, 47.400% 2.100%, 50.600% 1.200%, 53.900% 0.600%, 57.200% 0.200%, 60.500% 0.000%, 63.900% 0.100%, 67.300% 0.500%, 70.700% 1.100%, 74.100% 1.900%, 77.400% 2.900%, 80.600% 4.100%, 83.600% 5.500%, 86.500% 7.100%, 89.200% 8.900%, 91.600% 10.800%, 93.800% 12.800%, 95.700% 15.000%, 97.300% 17.300%, 98.400% 19.800%);\n  }\n  100% {\n    clip-path: polygon(96.500% 13.800%, 97.700% 15.900%, 98.600% 18.100%, 99.300% 20.500%, 99.700% 23.000%, 99.900% 25.600%, 99.900% 28.300%, 99.700% 31.100%, 99.500% 34.000%, 99.000% 36.900%, 98.400% 39.900%, 97.700% 42.900%, 96.900% 45.900%, 96.000% 49.000%, 95.100% 52.100%, 94.100% 55.200%, 93.100% 58.200%, 92.100% 61.200%, 91.100% 64.100%, 90.100% 67.000%, 89.100% 69.800%, 88.000% 72.600%, 86.900% 75.300%, 85.700% 77.900%, 84.500% 80.400%, 83.200% 82.800%, 81.800% 85.100%, 80.300% 87.200%, 78.700% 89.200%, 77.000% 91.000%, 75.200% 92.700%, 73.300% 94.200%, 71.200% 95.600%, 69.000% 96.800%, 66.700% 97.800%, 64.300% 98.600%, 61.800% 99.200%, 59.200% 99.700%, 56.500% 100.000%, 53.800% 100.100%, 51.000% 100.100%, 48.200% 99.900%, 45.400% 99.600%, 42.600% 99.100%, 39.800% 98.500%, 37.000% 97.700%, 34.300% 96.800%, 31.700% 95.700%, 29.100% 94.500%, 26.600% 93.100%, 24.200% 91.600%, 21.900% 90.000%, 19.700% 88.300%, 17.600% 86.500%, 15.600% 84.500%, 13.700% 82.400%, 11.900% 80.300%, 10.300% 78.100%, 8.800% 75.800%, 7.400% 73.400%, 6.100% 70.900%, 4.900% 68.400%, 3.800% 65.800%, 2.800% 63.100%, 2.000% 60.400%, 1.300% 57.600%, 0.700% 54.800%, 0.200% 52.000%, -0.100% 49.200%, -0.300% 46.400%, 0.000% 43.300%, 0.100% 40.500%, 0.300% 37.700%, 0.700% 35.000%, 1.200% 32.300%, 1.900% 29.700%, 2.800% 27.200%, 3.800% 24.700%, 5.000% 22.300%, 6.400% 20.000%, 8.000% 17.900%, 9.800% 15.900%, 11.700% 14.000%, 13.800% 12.200%, 16.100% 10.500%, 18.500% 9.000%, 21.000% 7.600%, 23.700% 6.300%, 26.500% 5.100%, 29.400% 4.100%, 32.400% 3.200%, 35.500% 2.400%, 38.700% 1.700%, 41.900% 1.100%, 45.200% 0.600%, 48.500% 0.300%, 51.900% 0.100%, 55.300% 0.000%, 58.700% 0.000%, 62.100% 0.100%, 65.500% 0.300%, 68.800% 0.700%, 72.100% 1.200%, 75.300% 1.800%, 78.400% 2.600%, 81.300% 3.500%, 84.100% 4.500%, 86.700% 5.700%, 89.100% 7.000%, 91.300% 8.500%, 93.300% 10.100%, 95.000% 11.900%, 96.500% 13.800%);\n   -webkit-clip-path: polygon(96.500% 13.800%, 97.700% 15.900%, 98.600% 18.100%, 99.300% 20.500%, 99.700% 23.000%, 99.900% 25.600%, 99.900% 28.300%, 99.700% 31.100%, 99.500% 34.000%, 99.000% 36.900%, 98.400% 39.900%, 97.700% 42.900%, 96.900% 45.900%, 96.000% 49.000%, 95.100% 52.100%, 94.100% 55.200%, 93.100% 58.200%, 92.100% 61.200%, 91.100% 64.100%, 90.100% 67.000%, 89.100% 69.800%, 88.000% 72.600%, 86.900% 75.300%, 85.700% 77.900%, 84.500% 80.400%, 83.200% 82.800%, 81.800% 85.100%, 80.300% 87.200%, 78.700% 89.200%, 77.000% 91.000%, 75.200% 92.700%, 73.300% 94.200%, 71.200% 95.600%, 69.000% 96.800%, 66.700% 97.800%, 64.300% 98.600%, 61.800% 99.200%, 59.200% 99.700%, 56.500% 100.000%, 53.800% 100.100%, 51.000% 100.100%, 48.200% 99.900%, 45.400% 99.600%, 42.600% 99.100%, 39.800% 98.500%, 37.000% 97.700%, 34.300% 96.800%, 31.700% 95.700%, 29.100% 94.500%, 26.600% 93.100%, 24.200% 91.600%, 21.900% 90.000%, 19.700% 88.300%, 17.600% 86.500%, 15.600% 84.500%, 13.700% 82.400%, 11.900% 80.300%, 10.300% 78.100%, 8.800% 75.800%, 7.400% 73.400%, 6.100% 70.900%, 4.900% 68.400%, 3.800% 65.800%, 2.800% 63.100%, 2.000% 60.400%, 1.300% 57.600%, 0.700% 54.800%, 0.200% 52.000%, -0.100% 49.200%, -0.300% 46.400%, 0.000% 43.300%, 0.100% 40.500%, 0.300% 37.700%, 0.700% 35.000%, 1.200% 32.300%, 1.900% 29.700%, 2.800% 27.200%, 3.800% 24.700%, 5.000% 22.300%, 6.400% 20.000%, 8.000% 17.900%, 9.800% 15.900%, 11.700% 14.000%, 13.800% 12.200%, 16.100% 10.500%, 18.500% 9.000%, 21.000% 7.600%, 23.700% 6.300%, 26.500% 5.100%, 29.400% 4.100%, 32.400% 3.200%, 35.500% 2.400%, 38.700% 1.700%, 41.900% 1.100%, 45.200% 0.600%, 48.500% 0.300%, 51.900% 0.100%, 55.300% 0.000%, 58.700% 0.000%, 62.100% 0.100%, 65.500% 0.300%, 68.800% 0.700%, 72.100% 1.200%, 75.300% 1.800%, 78.400% 2.600%, 81.300% 3.500%, 84.100% 4.500%, 86.700% 5.700%, 89.100% 7.000%, 91.300% 8.500%, 93.300% 10.100%, 95.000% 11.900%, 96.500% 13.800%);\n  }\n}\n\t \n\t\n\n\n#uc_blob_shapes_elementor_6badc683 {\n  \taspect-ratio: 1 \/ 1; \n    width:100%;\n  \t\n}\n\n\n\n.ue-blob-text-holder\n{\n  position:absolute;\n  top:0px;\n  left:0px;\n  right:0px;\n  bottom:0px;\n  width:100%;\n  height:100%;\n  z-index:2;\n  display:flex;\n  justify-content:center;\n  flex-direction:column;\n}\n\n.ue_blob_inside\n{\n  position:relative;\n}\n\n<\/style>\n\n<div id=\"uc_blob_shapes_elementor_6badc683_justification\" class=\"ue-blob-wrapper\">\n  \n  <div id=\"uc_blob_shapes_elementor_6badc683_size\" class=\"ue_blob_inside\">\n  \n    \t\n        \n      <div id=\"uc_blob_shapes_elementor_6badc683\" style=\"background-image:url(\/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/mujer_administracion.webp)\" class=\"blob\" ><\/div>\n        \n      <div class=\"ue-blob-text-holder\">\n                            <\/div>\n        \n      \n  <\/div>\n  \n    \n<\/div>\n<!-- end Blob Shapes -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-492f81c e-con-full e-flex e-con e-child\" data-id=\"492f81c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4a524e elementor-widget elementor-widget-heading\" data-id=\"b4a524e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">POL\u00cdTICA GENERAL <span style=\"color:#545454\">ADMINISTRACI\u00d3N DE RIESGOS DE AFORE XXI BANORTE<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-255d32b elementor-widget elementor-widget-text-editor\" data-id=\"255d32b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En Afore XXI Banorte\u00a0<strong>nuestro objetivo es administrar prudentemente tus recursos.<\/strong>\u00a0Por ello, hemos desarrollado una estructura organizacional, metodolog\u00edas, pol\u00edticas y procedimientos que en conjunto forman nuestro Sistema de Administraci\u00f3n de Riesgos, cuyo fin es identificar, medir, monitorear y controlar los diferentes tipos de riesgos financieros a los que se encuentran expuestas las inversiones de las SIEFORES que administramos, con el objeto de ofrecer la mayor seguridad y optimizar la rentabilidad de tus ahorros. Dicho Sistema de Administraci\u00f3n de Riesgos, adopta las siguientes medidas para contribuir a mantener un mejor control de los riesgos de nuestras inversiones:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-750bea0c e-flex e-con-boxed e-con e-parent\" data-id=\"750bea0c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3f4eb142 e-flex e-con-boxed e-con e-child\" data-id=\"3f4eb142\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cd7c07e elementor-widget elementor-widget-heading\" data-id=\"2cd7c07e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"color:#545454\">TIPOS DE<\/span> RIESGO<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-322cfebc elementor-widget elementor-widget-ucaddon_uc_bullet_tabs\" data-id=\"322cfebc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_uc_bullet_tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Icon Tabs -->\n\n<style>\/* widget: Icon Tabs *\/\n\n#uc_uc_bullet_tabs_elementor_322cfebc *{\n\tbox-sizing: border-box;\n}\n\n#uc_uc_bullet_tabs_elementor_322cfebc{\n  display:flex;\n  flex-direction:column;\n      \tflex-direction:column;\n    min-height:1px;\n}\n\n#uc_uc_bullet_tabs_elementor_322cfebc .uc_tab_nav{\n\tlist-style:none;\n    display:flex;\n    justify-content:center;\n            width:auto;  \t \n    \t\n}\n\n\n\t\n\n#uc_uc_bullet_tabs_elementor_322cfebc .uc_tab_nav{\n\n}\n\n\n#uc_uc_bullet_tabs_elementor_322cfebc .uc_tab_nav li{\n\tdisplay:inline-flex;\n\tposition:relative;\n    z-index:1;\n}\n\n#uc_uc_bullet_tabs_elementor_322cfebc .uc_tab_nav li a\n{\n  display:inline-flex;\n  width:100%;\n}\n#uc_uc_bullet_tabs_elementor_322cfebc .uc_tab_nav li .uc_circle{\n    position: relative;\n    border-radius: 50%;\n    display: inline-block;\n    line-height:1em;\n}\n\n#uc_uc_bullet_tabs_elementor_322cfebc .ue_tab_icon\n{\n  line-height:1em;\n}\n\n#uc_uc_bullet_tabs_elementor_322cfebc .ue_tab_icon svg\n{\n  height:1em;\n  width:1em;\n}\n\n#uc_uc_bullet_tabs_elementor_322cfebc .uc_circle_container\n{\n  display:flex;\n  align-items:center;\n  justify-content:center;\n}\n#uc_uc_bullet_tabs_elementor_322cfebc .uc_tab_nav li .uc_circle span{\n\tdisplay:block;\n\tposition:relative;\n\tborder-radius:50%;\n\topacity:0;\n    transition:0.3s;\n}\n#uc_uc_bullet_tabs_elementor_322cfebc .uc_tab_nav li a{\n\tposition:relative;\n\ttext-decoration:none;\n}\n\n#uc_uc_bullet_tabs_elementor_322cfebc .uc_tab_nav li a i{\n\tdisplay:block;\n}\n#uc_uc_bullet_tabs_elementor_322cfebc .uc_tab_nav li.r-tabs-state-active a{\n}\n\n#uc_uc_bullet_tabs_elementor_322cfebc .uc_tab_nav li.r-tabs-state-active .uc_circle span{\n\topacity:1;\n}\n\n#uc_uc_bullet_tabs_elementor_322cfebc .panes{ \n  display:none;\n}\n\n#uc_uc_bullet_tabs_elementor_322cfebc .r-tabs .r-tabs-tab {\n    display: block;\n    margin: 0;\n    list-style: none;\n}\n\n#uc_uc_bullet_tabs_elementor_322cfebc .r-tabs-panel {\n    display: none;\n}\n\n#uc_uc_bullet_tabs_elementor_322cfebc .r-tabs-accordion-title {\n    display: none;\n}\n#uc_uc_bullet_tabs_elementor_322cfebc .uc_tab_nav{\n  padding-inline-start: 0;\n}\n\n\n   \n@media only screen and (max-width: 0px){\n   #uc_uc_bullet_tabs_elementor_322cfebc ul.tabs {\n     display:none;\n   }\n   #uc_uc_bullet_tabs_elementor_322cfebc .r-tabs .r-tabs-nav { \n     display: none;\n   }\n  #uc_uc_bullet_tabs_elementor_322cfebc .r-tabs-accordion-title {\n      display:block;\n  }\n  #uc_uc_bullet_tabs_elementor_322cfebc .r-tabs-accordion-title .r-tabs-anchor{ \n      display:flex;\n      align-items:center;\n      overflow:hidden; \n }\n #uc_uc_bullet_tabs_elementor_322cfebc .uc-tabs-accordion-title{\n  \/*  display:flex; *\/\n    display: block;\n    align-items:center;\n    flex-grow:1;\n }\n  #uc_uc_bullet_tabs_elementor_322cfebc .r-tabs-panel {\n    display: none;\n  }\n  #uc_uc_bullet_tabs_elementor_322cfebc .uc_circle\n  {\n    display:none;\n  }\n  #uc_uc_bullet_tabs_elementor_322cfebc .uc_tab_content\n  {\n    width:100%;\n  }\n  \n  #uc_uc_bullet_tabs_elementor_322cfebc .uc_tab_content > .r-tabs-state-default{\n      position: static;\n  }\n  \n  #uc_uc_bullet_tabs_elementor_322cfebc .r-tabs-state-default{\n\tposition: static;\n  }\n  #uc_uc_bullet_tabs_elementor_322cfebc .r-tabs-accordion-title .uc-accordion-icon-collapse{\n    display:none;    \n  }\n  \n  #uc_uc_bullet_tabs_elementor_322cfebc .r-tabs-accordion-title.r-tabs-state-active .uc-accordion-icon-collapse{\n    display:block;\n  }\n  \n  #uc_uc_bullet_tabs_elementor_322cfebc .r-tabs-accordion-title.r-tabs-state-active .uc-accordion-icon-expand{\n    display:none;\n  }\n  #uc_uc_bullet_tabs_elementor_322cfebc .uc-accordion-icon svg{\n    width:1em;\n    height:1em;\n  }\n}\n\n\nul.uc_tab_nav{\n  margin:0;\n}\n#uc_uc_bullet_tabs_elementor_322cfebc_item1\n{\n  border-color:;\n}\n#uc_uc_bullet_tabs_elementor_322cfebc_item2\n{\n  border-color:;\n}\n\n\n<\/style>\n\n<div id=\"uc_uc_bullet_tabs_elementor_322cfebc\" class=\"uc_bullet_tabs  \" data-hash=\"false\" data-scrolltohead=\"off\" data-scroll-after-selected=\"\" data-scroll-to-selected-tab-offset=\"0\"   data-remote-type=\"tabs\">\n        <ul class=\"uc_tab_nav tabs uc-items-wrapper\">\n           \n<li class=\"elementor-repeater-item-3c36e6c\">\n  \n   <a href=\"javascript:void(0);\" data-content-id=\"uc_uc_bullet_tabs_elementor_322cfebc_item1\"  data-hash-id=\"ue-tab1\">     \n     \t\n     <div class=\"ue_tab_title\">Riesgos de mercado<\/div>        <\/a>\n<\/li>\n\n<li class=\"elementor-repeater-item-9ccbef7\">\n  \n   <a href=\"javascript:void(0);\" data-content-id=\"uc_uc_bullet_tabs_elementor_322cfebc_item2\"  data-hash-id=\"ue-tab2\">     \n     \t\n     <div class=\"ue_tab_title\">Riesgos de cr\u00e9dito<\/div>        <\/a>\n<\/li>\n\n        <\/ul>\n        <div class=\"uc_tab_content uc-items-wrapper2\">\n           <div id=\"uc_uc_bullet_tabs_elementor_322cfebc_item1\" class=\"panes\">\n      \t\t<div data-elementor-type=\"container\" data-elementor-id=\"21665\" class=\"elementor elementor-21665\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70ba6a8b e-con-full e-flex e-con e-parent\" data-id=\"70ba6a8b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-106182e1 elementor-widget elementor-widget-text-editor\" data-id=\"106182e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Es la p\u00e9rdida potencial por cambios en los factores de riesgo de mercado que tienen efecto sobre el valor del portafolio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-564edcf2 elementor-widget elementor-widget-text-editor\" data-id=\"564edcf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Valor de riesgo (VaR)<\/strong><\/p><p><strong>Representa la p\u00e9rdida m\u00e1xima esperada que podr\u00eda registrar un portafolio de inversi\u00f3n durante un per\u00edodo determinado,<\/strong>\u00a0debido a cambios en los factores de riesgo, con un cierto nivel de confianza. Esto significa que, con una cierta probabilidad, la p\u00e9rdida potencial en un horizonte temporal no podr\u00e1 ser mayor a la cantidad indicada por el VaR.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-71bb5a19 e-con-full e-flex e-con e-child\" data-id=\"71bb5a19\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-182ee82c e-con-full e-flex e-con e-child\" data-id=\"182ee82c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5736aa2c elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"5736aa2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>VaR Interno*<br \/>(Montecarlo 28 d\u00edas)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45b875d5 elementor-widget elementor-widget-ucaddon_ue_table\" data-id=\"45b875d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_ue_table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Unlimited Table -->\n\n<style>\/* widget: Unlimited Table *\/\n\n#uc_ue_table_elementor_45b875d5.ue-table {\n  display: flex;\n  flex-direction: column;\n  opacity: 1;\n  transition: opacity .3s ease-in-out;\n}\n\n\n#uc_ue_table_elementor_45b875d5 .tabulator-header .tabulator-col svg,\n#uc_ue_table_elementor_45b875d5 .tabulator-table .tabulator-cell svg {\n  height:1em;\n  width:1em;\n}\n\n\n#uc_ue_table_elementor_45b875d5.ue-table.uc-show {\n  opacity: 1;\n}\n\n\n#uc_ue_table_elementor_45b875d5 .ue-table__tools {\n  display: flex;\n  justify-content: flex-end;\n  }\n\n#uc_ue_table_elementor_45b875d5 .ue-table__search-btn,\n#uc_ue_table_elementor_45b875d5 .ue-table__search-fields-toggle {\n  height: 100%\n}\n\n#uc_ue_table_elementor_45b875d5 .ue-table__filter-container {\n  position: relative;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n}\n\n#uc_ue_table_elementor_45b875d5 .ue-table__search-fields {\n  position: absolute;\n  top: 0;\n  width: 100%;\n  max-height: 200px;\n  overflow: auto;\n  list-style-type: none;\n  z-index: 2;\n  display: flex;\n  flex-direction: column;\n  gap: .5em;\n  transform-origin: top center;\n  transform: scaleY(0);\n  transition: transform .3s ease-in-out;\n}\n\n#uc_ue_table_elementor_45b875d5 .ue-table__search-fields.uc-show {\n  transform: scaleY(1);\n}\n\n#uc_ue_table_elementor_45b875d5 .ue-table__search-fields li {\n  display: flex;\n  align-items: center;\n  gap: 0.5em;\n}\n\n#uc_ue_table_elementor_45b875d5 .ue-table-icon {\n  position: relative;\n\tdisplay: flex;\n    justify-content: center;\n    align-items: center;\n  cursor: pointer;\n  padding: 5px;\n}\n\n\n.ue-table__templates-container {\n\tdisplay: none;\n}\n\n#uc_ue_table_elementor_45b875d5 .tabulator-cell {\t\n  white-space: normal;\n}\n\n  #uc_ue_table_elementor_45b875d5 .tabulator-responsive-collapse {\t\n      white-space: normal;\n  }\n\n#uc_ue_table_elementor_45b875d5 .tabulator .tabulator-header .tabulator-col {\n  color: #545454;\n  background-color: #FFFFFF;\n}\n\n#uc_ue_table_elementor_45b875d5 .tabulator .tabulator-header .tabulator-col:hover {\n  background-color: ;\n}\n\n\n  #uc_ue_table_elementor_45b875d5 .tabulator .tabulator-header .tabulator-col,\n  #uc_ue_table_elementor_45b875d5 .tabulator .tabulator-header .tabulator-cell,\n  #uc_ue_table_elementor_45b875d5 .tabulator .tabulator-row .tabulator-col,\n  #uc_ue_table_elementor_45b875d5 .tabulator .tabulator-row .tabulator-cell {\n      border-left-style: solid;\n    border-left: none;\n  }\n  #uc_ue_table_elementor_45b875d5 .tabulator-col-resize-handle {\n    border-width: 1px;\n      border-left-color: #555555;\n    border-left-style: solid;\n  }\n\n@media screen and (max-width: 1024px) {\n  #uc_ue_table_elementor_45b875d5 .tabulator-col-resize-handle {\n    border-width: ;\n  }\n}\n@media screen and (max-width: 767px) {\n  #uc_ue_table_elementor_45b875d5 .tabulator-col-resize-handle {\n    border-width: ;\n  }\n}\n\n#uc_ue_table_elementor_45b875d5 .tabulator-headers .tabulator-col:last-of-type,\n#uc_ue_table_elementor_45b875d5 .tabulator-row .tabulator-cell:last-of-type{\n  border-right: none !important;\n}\n\n#uc_ue_table_elementor_45b875d5 .tabulator-col-resize-handle:last-of-type {\n  display: none;\n}\n\n\n.tabulator-col,\n.tabulator-row,\n.tabulator-cell,\n.ue-table-column__button {\n  transition: all .2s ease-in-out;\n}\n\n.ue-table-column__button {\n  display: inline-block;\n}\n\n\/*\n.tabulator-headers>.tabulator-col:not([class*='elementor-repeater-item']),\n.tabulator-table>.tabulator-row>.tabulator-cell:not([tabulator-field*='column']) {\n\twidth: 100px !important;\n}\n*\/\n\n\t    \n\n\n\n\t    \n\n\n\n\t    \n\n\n\n   \n\n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n<\/style>\n\n<div id=\"uc_ue_table_elementor_45b875d5\" class=\"ue-table\">\n    <div class=\"ue-table__tools\" role=\"menu\">\n                            <\/div>\n  <div class=\"ue-table__container\" tabindex=\"0\"><\/div>\n  <div class=\"ue-table__templates-container\">\n  \t\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n \n  <\/div>\n<\/div>\n\n\n\n<!-- end Unlimited Table -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52d85196 elementor-widget elementor-widget-text-editor\" data-id=\"52d85196\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cifras al 29\/05\/2020.<br \/>*Valor en Riesgo por posici\u00f3n, expresado como porcentaje del valor esperado de la cartera total en un horizonte de 28 d\u00edas, con un nivel de confianza del 95%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64195602 e-con-full e-flex e-con e-child\" data-id=\"64195602\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef693ae elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"ef693ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>VaR Normativo*<br \/>(Hist\u00f3rico a 1 d\u00eda)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a03e459 elementor-widget elementor-widget-ucaddon_ue_table\" data-id=\"3a03e459\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_ue_table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Unlimited Table -->\n\n<style>\/* widget: Unlimited Table *\/\n\n#uc_ue_table_elementor_3a03e459.ue-table {\n  display: flex;\n  flex-direction: column;\n  opacity: 1;\n  transition: opacity .3s ease-in-out;\n}\n\n\n#uc_ue_table_elementor_3a03e459 .tabulator-header .tabulator-col svg,\n#uc_ue_table_elementor_3a03e459 .tabulator-table .tabulator-cell svg {\n  height:1em;\n  width:1em;\n}\n\n\n#uc_ue_table_elementor_3a03e459.ue-table.uc-show {\n  opacity: 1;\n}\n\n\n#uc_ue_table_elementor_3a03e459 .ue-table__tools {\n  display: flex;\n  justify-content: flex-end;\n  }\n\n#uc_ue_table_elementor_3a03e459 .ue-table__search-btn,\n#uc_ue_table_elementor_3a03e459 .ue-table__search-fields-toggle {\n  height: 100%\n}\n\n#uc_ue_table_elementor_3a03e459 .ue-table__filter-container {\n  position: relative;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n}\n\n#uc_ue_table_elementor_3a03e459 .ue-table__search-fields {\n  position: absolute;\n  top: 0;\n  width: 100%;\n  max-height: 200px;\n  overflow: auto;\n  list-style-type: none;\n  z-index: 2;\n  display: flex;\n  flex-direction: column;\n  gap: .5em;\n  transform-origin: top center;\n  transform: scaleY(0);\n  transition: transform .3s ease-in-out;\n}\n\n#uc_ue_table_elementor_3a03e459 .ue-table__search-fields.uc-show {\n  transform: scaleY(1);\n}\n\n#uc_ue_table_elementor_3a03e459 .ue-table__search-fields li {\n  display: flex;\n  align-items: center;\n  gap: 0.5em;\n}\n\n#uc_ue_table_elementor_3a03e459 .ue-table-icon {\n  position: relative;\n\tdisplay: flex;\n    justify-content: center;\n    align-items: center;\n  cursor: pointer;\n  padding: 5px;\n}\n\n\n.ue-table__templates-container {\n\tdisplay: none;\n}\n\n#uc_ue_table_elementor_3a03e459 .tabulator-cell {\t\n  white-space: normal;\n}\n\n  #uc_ue_table_elementor_3a03e459 .tabulator-responsive-collapse {\t\n      white-space: normal;\n  }\n\n#uc_ue_table_elementor_3a03e459 .tabulator .tabulator-header .tabulator-col {\n  color: #545454;\n  background-color: #FFFFFF;\n}\n\n#uc_ue_table_elementor_3a03e459 .tabulator .tabulator-header .tabulator-col:hover {\n  background-color: ;\n}\n\n\n  #uc_ue_table_elementor_3a03e459 .tabulator .tabulator-header .tabulator-col,\n  #uc_ue_table_elementor_3a03e459 .tabulator .tabulator-header .tabulator-cell,\n  #uc_ue_table_elementor_3a03e459 .tabulator .tabulator-row .tabulator-col,\n  #uc_ue_table_elementor_3a03e459 .tabulator .tabulator-row .tabulator-cell {\n      border-left-style: solid;\n    border-left: none;\n  }\n  #uc_ue_table_elementor_3a03e459 .tabulator-col-resize-handle {\n    border-width: 1px;\n      border-left-color: #555555;\n    border-left-style: solid;\n  }\n\n@media screen and (max-width: 1024px) {\n  #uc_ue_table_elementor_3a03e459 .tabulator-col-resize-handle {\n    border-width: ;\n  }\n}\n@media screen and (max-width: 767px) {\n  #uc_ue_table_elementor_3a03e459 .tabulator-col-resize-handle {\n    border-width: ;\n  }\n}\n\n#uc_ue_table_elementor_3a03e459 .tabulator-headers .tabulator-col:last-of-type,\n#uc_ue_table_elementor_3a03e459 .tabulator-row .tabulator-cell:last-of-type{\n  border-right: none !important;\n}\n\n#uc_ue_table_elementor_3a03e459 .tabulator-col-resize-handle:last-of-type {\n  display: none;\n}\n\n\n.tabulator-col,\n.tabulator-row,\n.tabulator-cell,\n.ue-table-column__button {\n  transition: all .2s ease-in-out;\n}\n\n.ue-table-column__button {\n  display: inline-block;\n}\n\n\/*\n.tabulator-headers>.tabulator-col:not([class*='elementor-repeater-item']),\n.tabulator-table>.tabulator-row>.tabulator-cell:not([tabulator-field*='column']) {\n\twidth: 100px !important;\n}\n*\/\n\n\t    \n\n\n\n\t    \n\n\n\n\t    \n\n\n\n   \n\n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n   \n\n    \t \n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n<\/style>\n\n<div id=\"uc_ue_table_elementor_3a03e459\" class=\"ue-table\">\n    <div class=\"ue-table__tools\" role=\"menu\">\n                            <\/div>\n  <div class=\"ue-table__container\" tabindex=\"0\"><\/div>\n  <div class=\"ue-table__templates-container\">\n  \t\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n \n  <\/div>\n<\/div>\n\n\n\n<!-- end Unlimited Table -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17901c0 elementor-widget elementor-widget-text-editor\" data-id=\"17901c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cifras al 29\/05\/2020.<br \/>*Valor en Riesgo Normativo, metodolog\u00eda de escenarios hist\u00f3ricos, calculado de acuerdo a la normatividad de la Circular CONSAR 15-22.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5be2dbb7 elementor-widget elementor-widget-text-editor\" data-id=\"5be2dbb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Metodolog\u00edas normativas<\/strong><\/p><p>Se han adoptado las metodolog\u00edas de medici\u00f3n de Riesgo de Mercado que CONSAR normativamente expide en materia de administraci\u00f3n de riesgos y r\u00e9gimen de inversi\u00f3n, a trav\u00e9s de sus circulares.<\/p><p><strong>Otras medidas de riesgo<\/strong><\/p><p>Desarrollamos e implementamos m\u00e9todos complementarios para la medici\u00f3n del riesgo de tasa de inter\u00e9s de los instrumentos que conforman nuestra cartera de valores, tales como Duraci\u00f3n y Duraci\u00f3n Modificada, que permiten cuantificar la sensibilidad del precio de los instrumentos ante alzas o bajas instant\u00e1neas en las tasas de inter\u00e9s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t  \n<\/div>\n<div id=\"uc_uc_bullet_tabs_elementor_322cfebc_item2\" class=\"panes\">\n      \t\t<div data-elementor-type=\"container\" data-elementor-id=\"21669\" class=\"elementor elementor-21669\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40f5fbdc e-con-full e-flex e-con e-parent\" data-id=\"40f5fbdc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b92d675 elementor-widget elementor-widget-text-editor\" data-id=\"5b92d675\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Es la p\u00e9rdida potencial por el incumplimiento de la contraparte respecto a sus obligaciones financieras definidas por contrato. La metodolog\u00eda utilizada en Afore XXI Banorte para su medici\u00f3n es:<\/p><ul><li>Seguimiento de las calificaciones crediticias de los emisores.<\/li><li>C\u00e1lculo de la p\u00e9rdida esperada por riesgo de cr\u00e9dito en funci\u00f3n de la probabilidad de incumplimiento de un emisor y la estimaci\u00f3n de la tasa de recuperaci\u00f3n, en caso de incumplimiento.<\/li><li>Establecimiento de l\u00edmites de inversi\u00f3n por tipo de instrumento, por tipo de emisor y por emisi\u00f3n.<\/li><li>Establecimiento de l\u00edmites de exposici\u00f3n por contrapartes, en funci\u00f3n del tipo de operaci\u00f3n, as\u00ed como de indicadores de capitalizaci\u00f3n de la contraparte.<\/li><li>Monto de exposici\u00f3n al riesgo crediticio por sector, calidad crediticia, vencimiento y emisor de las SIEFORE.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t  \n<\/div>\n\n        <\/div>\n  \n  <div class=\"uc-accordion-contents-template\" style=\"display:none\">\n    <div class=\"uc-accordion-icon\">\n      <span class=\"uc-accordion-icon-expand\"><i class='fas fa-plus'><\/i><\/span>\n      <span class=\"uc-accordion-icon-collapse\"><i class='fas fa-minus'><\/i><\/span>\n    <\/div>\n  <\/div>\n  \n<\/div>\n<!-- end Icon Tabs -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1220beb0 e-flex e-con-boxed e-con e-child\" data-id=\"1220beb0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-444166de e-flex e-con-boxed e-con e-child\" data-id=\"444166de\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73630776 elementor-widget elementor-widget-heading\" data-id=\"73630776\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"color:#545454\">RENDIMIENTO<\/span> NETO<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d2ca255 e-flex e-con-boxed e-con e-child\" data-id=\"5d2ca255\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c92d8fe elementor-widget elementor-widget-text-editor\" data-id=\"c92d8fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Son una\u00a0<strong>medida de seguimiento al desempe\u00f1o de las inversiones en las SIEFORE GENERACIONALES<\/strong>\u00a0y se refiere a la resta simple del rendimiento bruto que otorga la AFORE menos la comisi\u00f3n que cobra. Es un indicador que permite comparar a las AFORE entre s\u00ed. En Afore XXI Banorte, s\u00f3lo difundimos informaci\u00f3n relativa a rendimientos\u00a0 que la CONSAR haya dado a conocer previamente mediante publicaciones oficiales.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85306e elementor-widget__width-initial elementor-widget elementor-widget-ucaddon_ue_table\" data-id=\"85306e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_ue_table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Unlimited Table -->\n\t\t<link id='uc_ac_assets_file_tabulator_min_css_25955-css' href='\/banorte\/__host\/xxi\/wp-content\/uploads\/ac_assets\/ue_table\/vendor\/tabulator.min.css' type='text\/css' rel='stylesheet' >\n\n<style>\/* widget: Unlimited Table *\/\n\n#uc_ue_table_elementor_85306e.ue-table {\n  display: flex;\n  flex-direction: column;\n  opacity: 1;\n  transition: opacity .3s ease-in-out;\n}\n\n\n#uc_ue_table_elementor_85306e .tabulator-header .tabulator-col svg,\n#uc_ue_table_elementor_85306e .tabulator-table .tabulator-cell svg {\n  height:1em;\n  width:1em;\n}\n\n\n#uc_ue_table_elementor_85306e.ue-table.uc-show {\n  opacity: 1;\n}\n\n\n#uc_ue_table_elementor_85306e .ue-table__tools {\n  display: flex;\n  justify-content: flex-end;\n  }\n\n#uc_ue_table_elementor_85306e .ue-table__search-btn,\n#uc_ue_table_elementor_85306e .ue-table__search-fields-toggle {\n  height: 100%\n}\n\n#uc_ue_table_elementor_85306e .ue-table__filter-container {\n  position: relative;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n}\n\n#uc_ue_table_elementor_85306e .ue-table__search-fields {\n  position: absolute;\n  top: 0;\n  width: 100%;\n  max-height: 200px;\n  overflow: auto;\n  list-style-type: none;\n  z-index: 2;\n  display: flex;\n  flex-direction: column;\n  gap: .5em;\n  transform-origin: top center;\n  transform: scaleY(0);\n  transition: transform .3s ease-in-out;\n}\n\n#uc_ue_table_elementor_85306e .ue-table__search-fields.uc-show {\n  transform: scaleY(1);\n}\n\n#uc_ue_table_elementor_85306e .ue-table__search-fields li {\n  display: flex;\n  align-items: center;\n  gap: 0.5em;\n}\n\n#uc_ue_table_elementor_85306e .ue-table-icon {\n  position: relative;\n\tdisplay: flex;\n    justify-content: center;\n    align-items: center;\n  cursor: pointer;\n  padding: 5px;\n}\n\n\n.ue-table__templates-container {\n\tdisplay: none;\n}\n\n#uc_ue_table_elementor_85306e .tabulator-cell {\t\n  white-space: normal;\n}\n\n  #uc_ue_table_elementor_85306e .tabulator-responsive-collapse {\t\n      white-space: normal;\n  }\n\n#uc_ue_table_elementor_85306e .tabulator .tabulator-header .tabulator-col {\n  color: #545454;\n  background-color: #F6F6F6;\n}\n\n#uc_ue_table_elementor_85306e .tabulator .tabulator-header .tabulator-col:hover {\n  background-color: ;\n}\n\n\n#uc_ue_table_elementor_85306e .tabulator.tabulator-rtl .tabulator-header .tabulator-col,\n  #uc_ue_table_elementor_85306e .tabulator.tabulator-rtl .tabulator-header .tabulator-cell,\n  #uc_ue_table_elementor_85306e .tabulator.tabulator-rtl .tabulator-row .tabulator-col,\n  #uc_ue_table_elementor_85306e .tabulator.tabulator-rtl .tabulator-row .tabulator-cell {\n      border-right-style: solid;\n    border-right: none;\n    border-left: none;\n  }\n  #uc_ue_table_elementor_85306e .tabulator-col-resize-handle {\n    border-width: 1px;\n    border-right-color: #555555;\n    border-right-style: solid;\n  }\n\n@media screen and (max-width: 1024px) {\n  #uc_ue_table_elementor_85306e .tabulator-col-resize-handle {\n    border-width: ;\n  }\n}\n@media screen and (max-width: 767px) {\n  #uc_ue_table_elementor_85306e .tabulator-col-resize-handle {\n    border-width: ;\n  }\n}\n\n#uc_ue_table_elementor_85306e .tabulator-headers .tabulator-col:last-of-type,\n#uc_ue_table_elementor_85306e .tabulator-row .tabulator-cell:last-of-type{\n  border-right: none !important;\n}\n\n#uc_ue_table_elementor_85306e .tabulator-col-resize-handle:last-of-type {\n  display: none;\n}\n\n\n.tabulator-col,\n.tabulator-row,\n.tabulator-cell,\n.ue-table-column__button {\n  transition: all .2s ease-in-out;\n}\n\n.ue-table-column__button {\n  display: inline-block;\n}\n\n\/*\n.tabulator-headers>.tabulator-col:not([class*='elementor-repeater-item']),\n.tabulator-table>.tabulator-row>.tabulator-cell:not([tabulator-field*='column']) {\n\twidth: 100px !important;\n}\n*\/\n\n\t    \n\n\n\n\t    \n\n\n\n\t    \n\n\n\n\t    \n\n\n\n\t    \n\n\n\n\t    \n\n\n\n\t    \n\n\n\n\t    \n\n\n\n\t    \n\n\n\n\t    \n\n\n\n   \n\n  \n   \n  \n\n\n\n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n\n\n\t\t\t \n\t\n     \n  \n\n\n\n<\/style>\n\n<div id=\"uc_ue_table_elementor_85306e\" class=\"ue-table\">\n    <div class=\"ue-table__tools\" role=\"menu\">\n                            <\/div>\n  <div class=\"ue-table__container\" tabindex=\"0\"><\/div>\n  <div class=\"ue-table__templates-container\">\n  \t\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n \n  <\/div>\n<\/div>\n\n\n\n<!-- end Unlimited Table -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-75b01d78 e-flex e-con-boxed e-con e-child\" data-id=\"75b01d78\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4b11f65d e-con-full e-flex e-con e-child\" data-id=\"4b11f65d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b8b6ace elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"3b8b6ace\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1035\" height=\"607\" src=\"\/banorte\/__host\/xxi\/wp-content\/uploads\/2026\/08\/img-Tramites-gratuitos.webp\" class=\"attachment-full size-full wp-image-26048\" alt=\"\" srcset=\"\/banorte\/__host\/xxi\/wp-content\/uploads\/2026\/08\/img-Tramites-gratuitos.webp 1035w, \/banorte\/__host\/xxi\/wp-content\/uploads\/2026\/08\/img-Tramites-gratuitos-300x176.webp 300w, \/banorte\/__host\/xxi\/wp-content\/uploads\/2026\/08\/img-Tramites-gratuitos-1024x601.webp 1024w, \/banorte\/__host\/xxi\/wp-content\/uploads\/2026\/08\/img-Tramites-gratuitos-768x450.webp 768w\" sizes=\"(max-width: 1035px) 100vw, 1035px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-767b42a7 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-icon-box\" data-id=\"767b42a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRecuerda que todos nuestros <a href=\"\/tramites\"><span style=\"color: #545454\">tr\u00e1mites <\/span><\/a> y servicios son <span style=\"color:#ea0029\">gratuitos<\/span>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEvita servicios de gestor\u00eda\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b6ba646 elementor-position-inline-start elementor-widget__width-initial elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3b6ba646\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 1200 1200\"><defs><style>      .st0 {        fill: #545454;      }      .st1 {        fill: #ea0029;      }    <\/style><\/defs><path class=\"st1\" d=\"M996.3,827v-36.5c-1.2-66.7-62.2-115.8-127.4-102.2-47.4,9.9-82.2,51.4-83.6,100.3v38.4c-35.6,6.5-65,38.8-64.9,74.9v121.5c0,40.2,34.2,76.3,75.5,76.2h190.5c42.9-.1,75.2-38.7,75.2-80.3v-113.3c0-38.9-26.7-71.5-65.1-79ZM846.6,790.1c0-23.7,20-42.2,43.2-42.8,23.2-.5,43.3,17.5,44.9,41.2l.3,37.2h-88.4c0,0,0-35.6,0-35.6ZM984.2,1038.6l-183.1.2c-10.2,0-19.8-6.1-19.8-17.1v-118.1c0-8.6,8.4-16.5,17-16.5h183.1c9.4,0,18.3,7,18.3,16.6v118.7c0,8.5-7.2,14.9-15.6,16.2Z\"><\/path><path class=\"st0\" d=\"M713.2,622.1c47.1-31.9,84.2-76.3,106.6-128.8,30.3-70.9,31.1-151.3,2.2-222.8-22.7-56.2-61.9-103.6-112.6-136.7-48.3-31.5-104.7-47.6-162.5-46.9-72.6.8-141.6,28.7-194.8,78-44.2,40.9-75.1,95.2-87.5,154.1-24.9,117.8,24.7,236.8,124.8,304-56.1,15.7-106.1,46.3-146.3,88.4-56.2,58.7-88.2,137.3-89.1,218.7v46.4c0,43.9,31.4,83.8,75.2,92.5,80.7,16.1,162.4,25.4,244.8,29.3,55.3,2.6,110,2.2,165.1-.5,18.6-.9,32.2-17.6,29.3-35.5-2.7-17-17.6-26.7-34.2-25.8-130.7,7-260.8-2.3-389.4-26.5-16-3-29-15.6-29.1-32.3l-.3-46.8c1.7-141,114.9-256.1,256.2-258.9h157.1c36.6-.1,71.4,9.2,104.7,23.1,15,6.2,31.4-2.9,37.4-16.5,6.4-14.4,1.1-31.7-13.3-39-14.3-7.3-29.3-11.4-44.9-16.1-.7-.2-.6-1.3.6-1.3ZM550.7,610.4c-127.6,0-231-103.4-231-231s103.4-231,231-231,231,103.4,231,231-103.4,231-231,231Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t<b>Asegura<\/b> tu cuenta\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4422af31 elementor-position-inline-start elementor-widget-mobile__width-initial elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4422af31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:i=\"http:\/\/ns.adobe.com\/AdobeIllustrator\/10.0\/\" id=\"Capa_1\" viewBox=\"0 0 76 88.6\"><path d=\"M38,2.4c13,9,24,13,36,15v24c0,20-13,35-36,45C15,76.4,2,61.4,2,41.4v-24c12-2,23-6,36-15Z\" fill=\"none\" stroke=\"#545454\" stroke-width=\"4\"><\/path><path d=\"M22,45.4l10,10,22-26\" fill=\"none\" stroke=\"#e31b23\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"5\"><\/path><metadata><\/metadata><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t<b>Protege<\/b><br>tus datos\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a6bc5a elementor-position-inline-start elementor-widget-mobile__width-initial elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4a6bc5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 1200 1200\"><defs><style>      .st0 {        fill: #545454;      }      .st1 {        fill: #ea0029;      }    <\/style><\/defs><path class=\"st0\" d=\"M1135.7,863.7l-85.1-150.8L719.9,127.7c-17.8-31.6-42.7-56.1-77.9-65.1-58.8-15.1-113.7,12.1-143.1,64.3l-114.5,203.5-256,451.8-48.2,87.4c-17.5,37.2-13.9,80.3,9.9,116.8,18.2,28,53.4,55.9,92.8,55.9h849.2c42.3,0,79.2-28.2,98.2-59,22.8-37.3,26-82.8,5.3-119.5ZM1078,944.9c-7.4,14.3-24.8,32.3-47.7,32.3H184.6c-19.1,0-35.2-16.9-42.3-29.1-10.2-17.5-11.8-38.5-2-55.9L561.6,148.8c10.5-18.5,34-25.5,53.2-24.3,20.5,1.3,37.2,14.6,47.6,33.2l36.2,64.6,375.4,662c10.8,19,15,39.3,4,60.6Z\"><\/path><path class=\"st1\" d=\"M651.3,704.1c-2.8,23.2-26,35.6-45.1,34.4-20.4-1.2-37.9-16.8-40.5-39l-33.7-289.4c-3.7-31.7,13.6-60.2,38.6-74.8,27.9-16.3,62.1-13.7,86.7,6.4,23,18.8,32.2,44.8,28.6,74.2l-34.7,288.2Z\"><\/path><circle class=\"st1\" cx=\"609.3\" cy=\"834.5\" r=\"62.6\"><\/circle><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEvita <b><br>fraudes<\/b>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>CALIFICACI\u00d3N FITCH RATINGS \u00bfSab\u00edas que los modelos de inversi\u00f3n son evaluados por instituciones calificadoras de valores? Fitch Ratings S.A. de C.V. es la instituci\u00f3n que califica los valores de las SIEFORES y Multifondos de Afore XXI Banorte, cuyo objetivo es obtener los elementos cuantitativos que permitan evaluar el riesgo de los portafolios en que se [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-21346","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Calificaci\u00f3n<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"\/banorte\/__host\/xxi\/calificacion\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Calificaci\u00f3n\" \/>\n<meta property=\"og:description\" content=\"CALIFICACI\u00d3N FITCH RATINGS \u00bfSab\u00edas que los modelos de inversi\u00f3n son evaluados por instituciones calificadoras de valores?Fitch Ratings S.A. de C.V. es la\" \/>\n<meta property=\"og:url\" content=\"\/banorte\/__host\/xxi\/calificacion\/\" \/>\n<meta property=\"og:site_name\" content=\"Afore XXI Banorte\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/xxibanorte\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-20T23:07:03+00:00\" \/>\n<meta property=\"og:image\" content=\"\/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/banner_calificacion.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1863\" \/>\n\t<meta property=\"og:image:height\" content=\"1243\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@XXIBanorte\" \/>\n<meta name=\"twitter:label1\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.xxi-banorte.com\\\/calificacion\\\/\",\"url\":\"https:\\\/\\\/www.xxi-banorte.com\\\/calificacion\\\/\",\"name\":\"Calificaci\u00f3n\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.xxi-banorte.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.xxi-banorte.com\\\/calificacion\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.xxi-banorte.com\\\/calificacion\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.xxi-banorte.com\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/banner_calificacion.webp\",\"datePublished\":\"2025-09-06T01:05:53+00:00\",\"dateModified\":\"2026-08-20T23:07:03+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.xxi-banorte.com\\\/calificacion\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.xxi-banorte.com\\\/calificacion\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/www.xxi-banorte.com\\\/calificacion\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.xxi-banorte.com\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/banner_calificacion.webp\",\"contentUrl\":\"https:\\\/\\\/www.xxi-banorte.com\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/banner_calificacion.webp\",\"width\":1863,\"height\":1243},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.xxi-banorte.com\\\/calificacion\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.xxi-banorte.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Calificaci\u00f3n\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.xxi-banorte.com\\\/#website\",\"url\":\"https:\\\/\\\/www.xxi-banorte.com\\\/\",\"name\":\"Afore XXI Banorte\",\"description\":\"LA AFORE FUERTE DE M\u00c9XICO.\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.xxi-banorte.com\\\/#organization\"},\"alternateName\":\"Afore XXI Banorte\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.xxi-banorte.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.xxi-banorte.com\\\/#organization\",\"name\":\"Afore XXI Banorte\",\"alternateName\":\"Afore XXI Banorte\",\"url\":\"https:\\\/\\\/www.xxi-banorte.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/www.xxi-banorte.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.xxi-banorte.com\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Logo_Afore_RRSS.jpeg\",\"contentUrl\":\"https:\\\/\\\/www.xxi-banorte.com\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Logo_Afore_RRSS.jpeg\",\"width\":1080,\"height\":1080,\"caption\":\"Afore XXI Banorte\"},\"image\":{\"@id\":\"https:\\\/\\\/www.xxi-banorte.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/xxibanorte\",\"https:\\\/\\\/x.com\\\/XXIBanorte\",\"https:\\\/\\\/www.instagram.com\\\/xxibanorte\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/afore-xxi-banorte\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Calificaci\u00f3n","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"\/banorte\/__host\/xxi\/calificacion\/","og_locale":"es_MX","og_type":"article","og_title":"Calificaci\u00f3n","og_description":"CALIFICACI\u00d3N FITCH RATINGS \u00bfSab\u00edas que los modelos de inversi\u00f3n son evaluados por instituciones calificadoras de valores?Fitch Ratings S.A. de C.V. es la","og_url":"\/banorte\/__host\/xxi\/calificacion\/","og_site_name":"Afore XXI Banorte","article_publisher":"https:\/\/www.facebook.com\/xxibanorte","article_modified_time":"2026-08-20T23:07:03+00:00","og_image":[{"width":1863,"height":1243,"url":"\/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/banner_calificacion.webp","type":"image\/webp"}],"twitter_card":"summary_large_image","twitter_site":"@XXIBanorte","twitter_misc":{"Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"\/banorte\/__host\/xxi\/calificacion\/","url":"\/banorte\/__host\/xxi\/calificacion\/","name":"Calificaci\u00f3n","isPartOf":{"@id":"\/banorte\/__host\/xxi\/#website"},"primaryImageOfPage":{"@id":"\/banorte\/__host\/xxi\/calificacion\/#primaryimage"},"image":{"@id":"\/banorte\/__host\/xxi\/calificacion\/#primaryimage"},"thumbnailUrl":"\/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/banner_calificacion.webp","datePublished":"2025-09-06T01:05:53+00:00","dateModified":"2026-08-20T23:07:03+00:00","breadcrumb":{"@id":"\/banorte\/__host\/xxi\/calificacion\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["\/banorte\/__host\/xxi\/calificacion\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"\/banorte\/__host\/xxi\/calificacion\/#primaryimage","url":"\/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/banner_calificacion.webp","contentUrl":"\/banorte\/__host\/xxi\/wp-content\/uploads\/2025\/09\/banner_calificacion.webp","width":1863,"height":1243},{"@type":"BreadcrumbList","@id":"\/banorte\/__host\/xxi\/calificacion\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"\/banorte\/__host\/xxi\/"},{"@type":"ListItem","position":2,"name":"Calificaci\u00f3n"}]},{"@type":"WebSite","@id":"\/banorte\/__host\/xxi\/#website","url":"\/banorte\/__host\/xxi\/","name":"Afore XXI Banorte","description":"LA AFORE FUERTE DE M\u00c9XICO.","publisher":{"@id":"\/banorte\/__host\/xxi\/#organization"},"alternateName":"Afore XXI Banorte","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"\/banorte\/__host\/xxi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"\/banorte\/__host\/xxi\/#organization","name":"Afore XXI Banorte","alternateName":"Afore XXI Banorte","url":"\/banorte\/__host\/xxi\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"\/banorte\/__host\/xxi\/\/schema\/logo\/image\/","url":"\/banorte\/__host\/xxi\/wp-content\/uploads\/2024\/02\/Logo_Afore_RRSS.jpeg","contentUrl":"\/banorte\/__host\/xxi\/wp-content\/uploads\/2024\/02\/Logo_Afore_RRSS.jpeg","width":1080,"height":1080,"caption":"Afore XXI Banorte"},"image":{"@id":"\/banorte\/__host\/xxi\/\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/xxibanorte","https:\/\/x.com\/XXIBanorte","https:\/\/www.instagram.com\/xxibanorte\/","https:\/\/www.linkedin.com\/company\/afore-xxi-banorte"]}]}},"_links":{"self":[{"href":"\/banorte\/__host\/xxi\/wp-json\/wp\/v2\/pages\/21346","targetHints":{"allow":["GET"]}}],"collection":[{"href":"\/banorte\/__host\/xxi\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"\/banorte\/__host\/xxi\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"\/banorte\/__host\/xxi\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"\/banorte\/__host\/xxi\/wp-json\/wp\/v2\/comments?post=21346"}],"version-history":[{"count":3,"href":"\/banorte\/__host\/xxi\/wp-json\/wp\/v2\/pages\/21346\/revisions"}],"predecessor-version":[{"id":26201,"href":"\/banorte\/__host\/xxi\/wp-json\/wp\/v2\/pages\/21346\/revisions\/26201"}],"wp:attachment":[{"href":"\/banorte\/__host\/xxi\/wp-json\/wp\/v2\/media?parent=21346"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}