Banco Davivienda SA · BVC:PFDAVVNDA
Banco Davivienda SA — Investor Presentation (May 2026)
34 slides from Banco Davivienda SA's investor presentation, May 2026
Slide 1: Banco Davivienda Corporate Presentation 1Q26
Banco Davivienda Corporate Presentation 1Q26
Slide 2: Disclaimer
The information hereby presented is exclusively for informative and illustrative purposes and it is not, nor does it pretend to be, a source for legal or financial assessment of any kind. Certain statements in this presentation are “forward-looking” statements within the meaning of the U.S. Private
Slide 3: Content
Content Business Model, History and 1 Strategy 2 Financials 3 Management Team 1.1 Banco Davivienda at a Glance 2.1 Diversified Loan Portfolio 3.1 Board of Directors 1.2 Ownership Structure 2.2 Credit Risk Management 3.2 Experienced Management Team 1.3 Grupo Bolívar 2.3 Funding Sources 1.4 History 2.
Slide 4: Business Model, History and Strategy
Business Model, History and Strategy
Slide 5: Banco Davivienda at a Glance
Banco Davivienda at a Glance Loans: $17.3 Bn Loans: $16.3 Bn Main Figures Customers: 10.6 M Customers: 474 k USD Billion Q/Q Personal Commercial 2 Assets $ 62.4 1.8% Banking Banking 2 Gross Loans $ 47.6 2.0% Deposits $ 45.9 3.0% Central Equity $ 5.2 1.5% Daviplata America Net Profit1 $ 76.5 - Deposi
Slide 6: Ownership Structure
Ownership Structure Retail1 Retail1 0.8% 3.2% Foreign Other2 Foreign Other2 Other2 Investors 0.2% Investors 0.7% 0.2% 0.1% 0.1% Total shares Preferred shares Common shares 487.670.413 116.601.012 371.069.401 100% 23.9% 76.1% 98.9% 95.9% 99.9% During 2025, Davivienda Group became the main shareholder
Slide 7: We belong to Grupo Bolívar
We belong to Grupo Bolívar Among the most important conglomerates in Colombia with over 80 years of experience. USA (Miami) USD $80.4 Billion +32 Million Honduras Assets Customers El Salvador USD $6.6 Billion +31 K Costa Rica Colombia Equity Employees Panamá Financial Services Insurance3 Constructio
Slide 8: A history of learning and innovation, with sustainable growth
A history of learning and innovation, with sustainable growth Savings and Loans Regional Financial Latin Corporation Mortgage Bank Universal Bank Regional Bank Platform Global 20255 Nov. 2023 Mar. 2024 Holding Share Issuance Davivienda US$194M Internacional Oct. 1Q26 2024 13.1% 2021 1Q26 2015 15.3%
Slide 9: Our Strategic Focus Areas
Our Strategic Focus Areas Banco Davivienda, regionally recognized for its Innovation and Service Model Providing the most comprehensive product offering Providing the best customer experience Simple, reliable and customer-focused service Build to support every stage of financial life Innovation focus
Slide 10: Our Sustainable Management
Our Sustainable Management Our strategy is sustainable and aligned with several standards and reporting frameworks. We have prioritized 8 SDGs to which we contribute through various initiatives across different lines of business. We make it easier for people, families, and businesses to achieve their
Slide 11: Main Results of our Sustainable Strategy
Main Results of our Sustainable Strategy Sustainable Portfolio Achievements Q/Q 57.5 USD M Biodiversity Bond fundsʼ allocation 76% Agribusiness 2% completed in projects focused on the 14% Utilities 0% conservation and sustainable use of nature in Colombia. 9% Industrial (Metallurgy) 2% <1% Apparel R
Slide 12: With a clear progress in the Digital Transformation of our Bank
With a clear progress in the Digital Transformation of our Bank… Digital Products Portfolio2 Transactions by Channel (USD Billion) (% of monetary transactions) 14% 67% Q/Q Y/Y 1 Digital Clients 2% 14% Q/Q Y/Y 94.1% 7% 31% Q/Q Y/Y Transactions by Channel (% of monetary transactions) Digital Clients1
Slide 13: DaviPlata our Neobank
DaviPlata our Neobank Payment Methods Digital Debit Card (NFC) Digital Credit Card (NFC) QR & POS Transactions Beyond a wallet, DaviPlata is our PSE Bre-B neobank for everyone. Simple, reliable, and always available. Wallet Businesses & Government P2P Payroll Mobile top-up Subsidies Remittances Paym
Slide 14: DaviPlata, supporting customer acquisition, funding and income generation
DaviPlata, supporting customer acquisition, funding and income generation… Customers and Deposits Credits1 (USD Million) 7% 29% Q/Q Y/Y 24% 624% Q/Q Y/Y -8% 261% 1% 5% Q/Q Y/Y Q/Q Y/Y Total Low-Amount Deposits - Daily Clients (M) Average for the quarter (USD M) Transactions and Purchases2 Income (US
Slide 15: Daviplata
Daviplata Cross-Selling Results CAC DaviPlata / Davivienda (12 Months) 6% 35% Q/Q Y/Y 8% 32% Q/Q Y/Y 6% 27% -1% 17% Q/Q Y/Y Q/Q Y/Y 1 Active Users Customer Satisfaction (30 Days) 1.2pp 1.6pp Q/Q Y/Y -1.9 pp 0.2 pp Q/Q Y/Y 1. CAC in USD estimated with the average exchange rate. 15
Slide 16: Wealth Management
Wealth Management1 AUM Evolution USD $13.4 Billion in AUM (USD Billion) CAGR: Trust Business 376 thousand customers 4.8% USD $8.7 Billion in AUM Brokerage Business 107 thousand customers Funds and Portfolios Assets Under Custody Trust Funds Investment Funds & Voluntary Pension Funds Market Share Mut
Slide 17: Financials
Financials
Slide 18: A diversified loan portfolio focused on strategic segments and products
A diversified loan portfolio focused on strategic segments and products Gross Loans1 Loan Mix (%) 17.4% 2.0% Y/Y Q/Q 1.8% 2.3%2 Q/Q Q/Q -0.1% 8.4% Q/Q Q/Q 3.2% 2.6% Q/Q Q/Q Commercial Loans3 Consumer Loans Mortage Loans 7.5% 4.2% 5.4% 3.6% 10.7% $21.9 $10.9 $14.8 1. Consolidated Gross Loans in USD B
Slide 19: Credit Risk Management - PDL & Coverage
Credit Risk Management - PDL & Coverage Total PDL & Coverage1 Coverage + Collaterals3 2 3 PDL by Segment Coverage1 1. Coverage: Loan Loss Reserves / Loans > 90 days. 2. Total >120: (Mortgage > 120 days + Commercial > 90 days + Consumer > 90 days) / Gross Loans. 3. Coverage + Collaterals = (Loan Loss
Slide 20: Stable and Diversified Funding Sources
Stable and Diversified Funding Sources USD Billion Demand deposits Term deposits $47.6 Credits Bonds Loans to Deposits 128.9% 122.3% 120.2% 120.8% 110.2% 106.7% 104.8% 103.8% Loans to Funding Sources 95.9% 93.4% 91.4% 92.6% 89.1% 88.8% 89.1% 89.1% International Issuances Portfolio Securitization2 Is
Slide 21: Balance Sheet - Capital Structure
Balance Sheet - Capital Structure Capital Adequacy Ratios CET1 7.0% 1 Equity & RWAs2 Leverage Ratio 1Q26 Q/Q Y/Y Accounting Equity 5.1 1.5% 18.4% Common Equity Tier 1 4.6 1.8% 21.5% Additional Tier 1 0.5 -1.0% -12.7% Total Technical Capital 6.3 -0.4% 18.0% RWAs 38.8 -1.0% 13.6% Credit Risk 34.6 -0.7
Slide 22: Key Financial Ratios
Key Financial Ratios *Managerial ratios excluding the BNS transaction **3M Annualized Ratios amortizing the wealth tax throughout the year Margins & Cost of Risk Other Income Ratios Efficiency Ratios ROAA & ROAE Cost-to-Income 12 M Cost-to-Assets NIM = Net Interest Income (12 months) / Average Earnin
Slide 23: A Leading Banking Institution in Colombia
A Leading Banking Institution in Colombia Customers¹ +24M Branches 487 ATMs 2.2k Employees + 10k Market March 2026 Q/Q Ranking USD Billion Share Assets $ 42.4 3.7% 2 13.1% Gross Loans $ 32.0 2.9% 2 15.3%² Commercial $ 15.4 4.1% 3 13.5% Consumer $ 6.5 0.8% 3 11.4% Mortgage $ 10.1 2.5% 1 25.9%² Deposi
Slide 24: Our Operations in Central America
Our Operations in Central America Honduras Total Central America¹ USD Million Mar. 26 Q/Q Assets 20,309 0.0% El Salvador Gross Loans 13,889 2.3% Customers +2.2 M Costa Rica Commercial 5,522 2.7% Branches 167 Consumer 4,107 1.1% ATMs 791 Panama Mortgage 4,261 2.9% Employees +6.5 K Deposits 14,858 -0.
Slide 25: Management Team
Management Team
Slide 26: Board of Directors and its Supporting Committees
Board of Directors and its Supporting Committees BoD Members Audit Committee Supports BoD in supervising effectiveness of internal controls. Composed of five directors, three are independents members of the BoD. Reviews financial audited statements prior submission to the BoD. Corporate Governance &
Slide 27: Experienced Management Team
Experienced Management Team Javier Suárez Chief Executive Officer ● Civil Engineer from Universidad de los Andes, with a Masterʼs degree in Finance and a Masterʼs degree in Actuarial Sciences from Georgia State University. ● Over 31 years of experience in the financial industry. Álvaro Cobo Carolina
Slide 28: Appendix
said % Appendix
Slide 29: Macroeconomic Fundamentals Colombia
Macroeconomic Fundamentals Colombia Economic Activity Index (Y/Y) Monetary Policy Rate, Inflation and Funding Rate Mar. 25 Dec. 25 Mar. 26 360 Days CDs 9.9% 10.0% 12.4% MPR 9.50% 9.25% 10.25% Mar. 25 Mar. 26 Quarterly Average Annual Inflation 5.09% 5.10% 5.56% Dec. 25 3.6% 2.3% 1.6% 1.3% 1.5%* Dec-1
Slide 30: Financial System Colombia
Financial System Colombia Loan Portfolio Interest Rates on Loans Apr. 23 (Annual Growth) (4-week moving average) 47.1% Mar. 25 Dec. 25 Mar. 26 Mar. 25 Dec. 25 Mar. 26 Mortgage 11.3%* 11.0% 24.9% 29.1% 25.0% 9.4% Cap Rate1 25.5%* Total 9.0%* Consumer 8.8%* Consumer 20.4%* 6.1% Commercial 8.0%* 17.2%
Slide 31: Macroeconomic Fundamentals CAM
Macroeconomic Fundamentals CAM Quarterly Gross Domestic Product (Y/Y) Annual Inflation (Y/Y) Jun. 25 Sep. 25 Dec. 25 Mar. 25 Dec. 25 Mar. 26 10.8% Panama Honduras 4.8%* Costa Rica 4.2% 3.9%* 4.6%** El Salvador 4.8% El Salvador 2.0% 1.5%* 3.8%* 0.4% Panama 2.2% Honduras 0.2% 0.8%* 1.9% Costa Rica 2.9
Slide 32: Consolidated Balance Sheet
Consolidated Balance Sheet USD Million 1Q25 4Q25 1Q26 $ Q/Q Q/Q $ Y/Y Y/Y ASSETS Cash and Interbank Funds 4,898 6,810 6,020 - 790 -11.6% 1,122 22.9% Investments 6,448 6,233 7,121 888 14.2% 674 10.4% Gross Loans 39,230 46,663 47,594 931 2.0% 8,364 21.3% Commercial 18,593 21,197 21,871 674 3.2% 3,277
Slide 33: Consolidated P&L
Consolidated P&L Quarter USD Million 1Q25 4Q25* 1Q26 $ Q/Q Q/Q $ Y/Y Y/Y Total Income 1,322 1,277 1,488 210 16.5% 166 12.6% Loans 1,174 1,169 1,346 177 15.1% 171 14.6% Investment 119 72 104 32 44.3% - 15 -12.7% Other Income 28 36 38 2 4.6% 10 36.1% Financial Expenses 708 715 763 48 6.8% 55 7.8% Dema
Slide 34: Banco Davivienda S.A. Investor Relations
Banco Davivienda S.A. Investor Relations ir.davivienda.com ir@davivienda.com + 57 (601) 220 3495 Bogota - Colombia