Banco Popular Sa Bogota · BVC:POPULAR

Banco Popular Sa Bogota — Banco Popular — Q2 2025 Earnings Presentation

26 slides from Banco Popular Sa Bogota's earnings presentation, 2025

  1. Slide 1: Corporate Presentation 2Q 2025

    Corporate Presentation 2Q 2025

  2. Slide 2: Content

    Content 1. Main Figures and Indicators 2. Macroeconomic Context 3. Detailed Report of Financial Results 4. Sustainable Management 5. Corporate Governance Management

  3. Slide 3: Main Figures and Indicators

    1 Main Figures and indicators

  4. Slide 4: Balance Organization Positioning

    Main Magnitudes 6M25 Figures in billions and percentage (COP) Organization Balance Positioning Activo Active Liabilities + Equity Libranzas (45%) Natural person (20%) Portfolio Market Share 972 Mil 14,5Bn COP 6,3Bn COP Active customers 3.2% Total Portfolio Other Consumption (5%) ➢ 19.3%MS Libranzas

  5. Slide 5: Results Summary 6M25

    Results Summary 6M25 Figures in billions (COP) ROA 0,05% ROE 0,7% Improvement in profitability mainly driven by efficiency and Profitability optimization of the funding mix, as well as enhanced yield on the Net Interest Margin 5,4% payroll loan portfolio through repricing, accompanied by YTD 6M25 Ni

  6. Slide 6: Macroeconomic Context

    AVAL Context Macroeconomic y

  7. Slide 7: Inflation, growth, BanRep rate and fiscal deficit projections

    Inflation projections 2025-2026 2025 growth projections 3,0 2,7 2,7 2,8 2,7 Banco Popular Media mercado Minimo Maximo 2,5 2,3 2,1 2,1 6,0 0% 1,9 5,5 0% 2,0 5,0 0% 5,03% 1,5 5,03% 1,0 4,00% 0,6 4,5 0% 0,5 0,4 4,0 0% 0,5 3,93% 3,5 0% 0,0 3,12% 3,0 0% -0,5 abr-25 jul-25 abr-26 jul-26 ene-25 ene-26 oct-

  8. Slide 8: Banrep maintains fixed monetary policy rate at 9.25%

    Banrep maintains fixed monetary policy rate at 9.25% in the face of fiscal risks, rebound in inflation, lower unemployment rate and higher aggregate activity driven by public spending Repo Rate Annual Inflation (%) (%) 8,35 13,00 12,75 12,75 7,74 12,25 7,36 11,75 11,75 7,16 7,16 7,18 11,25 6,86 10,7

  9. Slide 9: Detailed Report of Financial Results

    AVAL , Rundown Financial Results yy

  10. Slide 10: Asset Structure and Portfolio

    Asset Structure and Portfolio Portfolio Figures in billions and percentage Total Assets $31.393 Commercial portfolio by economic sector Available Construction and infrastructure Fixed income investments 3,62% Public admin 14,10% 12,02% Net Portfolio 21,70% 72,24% Equity investments 5,33% Electrical

  11. Slide 11: Anchoring composition

    Anchoring composition Figures in billions and percentage Anchoring Composition 23.834 24.733 26.134 2T-24 1T-25 2T-25 10.718 11.877 12.058 7,2% 4,9% 3,7% 6,4% 6,4% 6,0% 27.643 27.942 28.975 12.072 11.820 12.935 86,4% 88,7% 90,4% 1.044 1.036 1.141 2T-24 1T-25 2T-25 Deposits Bonuses Other Term deposit

  12. Slide 12: Portfolio Quality

    Portfolio Quality Non-Performing Loans / Gross Portfolio ICV +30 ICV +90 (Non-performing loans / gross portfolio) (Non-performing loans / gross portfolio) 4,38% 4,37% 4,11% 3,51% 3,28% 3,22% 3,32% 3,15% 2,83% 2,67% 2,52% 2,09% Cost of Credit* 1T-24 2T-24 3T-24 4T-24 1T-25 2T-25 1T-24 2T-24 3T-24 4T-

  13. Slide 13: Portfolio Quality

    Portfolio Quality Non-Performing Loans / Gross Portfolio ICV +30 Commercial ICV +30 Consumption ICV +30 Housing 7,54% 4,69% 4,71% 6,87% 6,55% 6,80% 6,43% 6,76% 4,39% 3,68% 3,46% 2,94% 3,02% 2,97% 2,97% 2,48% 2,30% 1,81% 1T-24 2T-24 3T-24 4T-24 1T-25 2T-25 1T-24 2T-24 3T-24 4T-24 1T-25 2T-25 1T-24 2T

  14. Slide 14: Intermediation Margin and NIM

    Intermediation Margin and NIM Net Trading Margin YoY +170pbs Nim YoY +161pbs (%) QoQ +36pbs (%) QoQ +22pbs 4,65% 4,43% 3,93% 12,90% 12,70% 12,60% 12,60% 12,70% 3,39% 3,03% 9,00% 8,30% 7,50% 7,40% 7,20% 5,10% 5,20% 5,60% 3,90% 4,40% 2T-24 3T-24 4T-24 1T-25 2T-25 2T-24 3T-24 4T-24 1T-25 2T-25 Portfoli

  15. Slide 15: Evolution of Main KPIs

    Evolution of Main KPIs Total solvency ratio Heritage (%) ($ - %) 12,3% 12,2% 12,1% 11,9% 11,8% 2.476 2.456 2.391 2.406 2.426 10,5% 10,5% 10,5% 10,5% 10,5% 8,1% 8,3% 8,3% 7,7% 7,6% 2T-24 3T-24 4T-24 1T-25 2T-25 2T-24 3T-24 4T-24 1T-25 2T-25 Relación de Solvencia Total Regulatorio de Solvencia Total H

  16. Slide 16: Evolution of Fees

    Evolution of Fees Figures in billions and percentage Net fees Ratio of average balances to commissions (Comisiones netas / Cartera bruta promedio) +19,6% 29,3 27,5 0,14% 23,0 0,13% 20,9 0,11% 0,10% 0,08% 17,3 2T-24 3T-24 4T-24 1T-25 2T-25 2T-24 3T-24 4T-24 1T-25 2T-25

  17. Slide 17: Efficiency

    Efficiency Figures in billions and percentage Operational expenses Efficiency (Operating expenses / (Net net interest income + net fees and commissions + other income) -10,3% -15,4% 327,4 308,8 305,2 282,1 277,0 128,70% 114,50% 93,60% 96,40% 83,90% 2T-24 3T-24 4T-24 1T-25 2T-25 2T-24 3T-24 4T-24 1T-

  18. Slide 18: Utility and Profitability Indicators

    Utility and Profitability Indicators Figures in billions and percentage Net income (accounting) +69,2 +3,4 2,2 5,6 -39,4 -30,9 -63,6 2T-24 3T-24 4T-24 1T-25 2T-25 ROAA ROAE 0,40% 0,90% 0,10% 0,00% -0,40% -5,10% -0,50% -6,40% -0,80% 2T-24 3T-24 4T-24 1T-25 2T-25 -10,30% 2T-24 3T-24 4T-24 1T-25 2T-25

  19. Slide 19: Utility and Profitability Indicators

    Utility and Profitability Indicators Figures in billions and percentage Acumulado a junio 2025 Estado de Situación Financiera jun-24 jun-25 ∆$ Vs. ∆% 24-25 COP$ miles de millones Real Real 2024 meses Estado de Resultados Acum. 25 vs 24 Real COP$ miles de millones jun-24 ∆$ ∆% Disponible 2.053 979 (1

  20. Slide 20: Sustainable Management

    .™banco smmmndd ROAL Sustainable Management A

  21. Slide 21: Sustainability model and SDGs aligned with our strategy

    Sustainability model Sustainable Development Goals (SDGs) aligned with our sustainability strategy Social Inclusive Cultural finance transformation Ecosystem of accessible and Dimension Dimension Dimension Performance inclusive Social Environmental Governance and profitability ¡El Banco products par

  22. Slide 22: Corporate Governance

    Grupo © banco popular AVAL Government Corporate >

  23. Slide 23: Board Members

    Board Members Mauricio Hernando María Ximena Diego Fernando Javier Paula Amador Andrade Lombana Villalba Solano Saravia Díaz Molina Durán Fernández Ernesto José Natalia Luis Ernesto Juan Pablo Gutiérrez de Piñeres Luna Ramírez Carrizosa Mejía Castro Zárate Perdomo Non-Independent Member The profiles

  24. Slide 24: Board Support Committees

    Board Support Committees Audit Committee Committee Members The objective of this committee is to assist the Board of Directors in ✓ Natalia Ramírez Carrizosa (Presidente) the evaluation of the Internal Control System, as well as its continuous ✓ Mauricio Hernando Amador Andrade improvement, for the

  25. Slide 25: Senior Management Structure

    Senior Management Structure President María Fernanda Suárez Londoño Controllership C.C. Manager Senior Financial C.M. Manager Giselle Tocora Diana Constanza González Polanía Ruiz Vice President Vice President Vice President Vice President of Vice President of Organizational Vice President of of Trea

  26. Slide 26: Contact Information

    Contact Information www.bancopopular.com.co Alejandra Dumar Carrizosa Corporate Governance and Sustainability Manager IR@bancopopular.com.co (601) 7560000

Banco Popular — Q2 2025 Earnings Presentation on 6ix