Banco Popular Sa Bogota · BVC:POPULAR
Banco Popular Sa Bogota — Banco Popular — Q1 2026 Earnings Presentation
29 slides from Banco Popular Sa Bogota's earnings presentation, 2026
Slide 1: Corporate Presentation Q1 2026
Corporate Presentation Q1 2026
Slide 2: Contents
Contents 1. Main Figures and Indicators 2. Macroeconomic Context 3. Detailed Report of Financial Results 4. Sustainable Management 5. Corporate Governance Management
Slide 3: Main Figures and Indicators
1 Main courses Figures and indicators
Slide 4: Main Magnitudes 3M26
Main Magnitudes 3M26 Figures in billions and percentage Organization Balance Positioning Active Liabilities + Equity Libranzas (45%) 886 Thousand 14,6Bn COP Portfolio Market Share Active customers Natural person (22%) 3.0% Total Portfolio Otro Consumo (4%) 7,3Bn COP ➢ 18.8%MS Portfolio Libranzas 1.3
Slide 5: Summary Results 3M26
Summary Results 3M26 Figures in billions ROA 0,03% Improvement in profitability explained by financial efficiency and SWIR 0,4% optimization of the funding mix. YTD 3M26 Margin Mediation 6,0% In terms of pay, performance improves through repricing, Profitability NEEM 5,15% prioritizing profitability
Slide 6: Macroeconomic Context
AVAL Macroeconomic Context yy
Slide 7: BanRep Survey Rate Expectations
14% BanRep March Survey Rate Expectationso-2026 13% Market Average 12,75% Market Minimum 12,13% 12% Maximum 12,00% 11,75% April 2026 12,00% 11,80% 11% Banco Popular 11,25% 11,00% 11,25% 10,20% 12,00% 12,13% 10% 9% Dec. 2026 8,25% 11.75%-Mar 11.74%-Mar 8% Dec. 2027 11,00% 10,20% 7% nov-25 nov-26 nov-
Slide 8: Inflation Expectations BanRep Survey April 2026
Inflation Expectations BanRep Survey April-2026 Market Banco Popular Market Average 7,0 0% Minimum Maximum 7,16% April 2026 5,71% 5,66% 6,5 0% 6,54% Dec. 2026 6,54% 6,32% 6,32% 6.43%-Feb 6.18%-Mar 4,75% 6,0 0% 5,78% Dec. 2027 4,75% 4.75%-Feb 4.77%-Feb 5,5 0% 5,55% 5,55% 5,55% Break Even Inflation Cu
Slide 9: Macroeconomic Context
Macroeconomic Context Banrep unanimously decided to maintain the monetary policy rate at1.1.25% in the search for agreements in the current political situation. Repo Rate Annual Inflation (%) (%) 5,56 5,51 11,25 5,35 5,29 5,22 5,28 5,30 10,25 5,16 5,18 10,25 5,09 5,10 5,10 5,05 9,50 4,90 9,50 9,50 9
Slide 10: Detailed Report Financial Results
3 Detailed Report Financial Results
Slide 11: Asset Structure and Portfolio
Asset Structure and Portfolio Portfolio Figures in COP billions and percentages Total Assets Commercial portfolio by economic sector Disponible $32,177 Financiero 4,7% Inversiones renta fija 8% Construcción e infraestructura 14,1% 12% Servicios Primarios 8% inversiones renta variable Industria de Al
Slide 12: Anchoring composition
Anchoring composition Figures in COP billions and percentages Anchoring Composition 24.733 26.307 26.813 1T-25 4T-25 1T-26 11.877 12.030 12.016 4,9% 3,8% 3,8% 6,4% 6,0% 5,9% 27.942 29.201 29.713 11.820 13.191 13.704 1.036 1.086 1.092 88,7% 90,2% 90,3% 1T25 4T25 1T26 Term Deposits Savings Accounts Ch
Slide 13: Portfolio Quality
Portfolio Quality Non-Performing Loans / Gross Portfolio ICV +30 ICV +90 (Non-performing loans / gross portfolios) (Non-performing loans / gross portfolios) 3,9% 3,5% 3,2% 2,9% 2,8% 2,7% 2,7% 2,5% 2,1% 2,1% 2,1% 2,0% Credit Cost (portfolio/portfolio provisions) 4T-24 1T-25 2T-25 3T-25 4T-25 1T-26 4T
Slide 14: Portfolio Quality
Portfolio Quality Non-Performing Loans / Gross Portfolio ICV +30 Commercial ICV +30 Consumption ICV +30 Housing 7,2% 7,0% 6,6% 6,4% 6,4% 6,5% 4,0% 3,7% 2,8% 3,2% 2,9% 2,5% 2,4% 2,3% 2,3% 2,7% 2,7% 2,3% 4T-24 1T-25 2T-25 3T-25 4T-25 1T-26 4T-24 1T-25 2T-25 3T-25 4T-25 1T-26 4T-24 1T-25 2T-25 3T-25 4T
Slide 15: Intermediation Margin and NIM
Intermediation Margin and NIM Net Trading Margin YoY +80Pbs NEEM YoY +72Pbs (%) (%) Trim +34Pbs Trim +31Pbs 5,2 4,6 4,7 4,8 4,4 12,7% 12,8% 12,9% 13,2% 12,6% 7,4% 7,2% 7,0% 7,2% 6,9% 5,6% 5,8% 6,0% 6,0% 5,2% 1T-25 2T-25 3T-25 4T-25 1T-26 1T-25 2T-25 3T-25 4T-25 1T-26 Rendimiento de cartera Costo de
Slide 16: Evolution of Main KPIs
Evolution of Main KPIs Total solvency ratio Heritage* (%) ($ - %) 12,7% 12,7% 12,3% 2.495 2.490 11,9% 11,8% 2.406 2.426 2.416 10,5% 10,5% 10,5% 10,5% 10,5% 7,7% 7,6% 7,9% 8,0% 7,4% 1T-25 2T-25 3T-25 4T-25 1T-26 1T-25 2T-25 3T-25 4T-25 1T-26 Relación de Solvencia Total Regulatorio de Solvencia Total
Slide 17: Evolution of Fees
Evolution of Fees Figures in billions and percentage Net fees Ratio of average balances to commissions (Net Commissions / Average Gross Portfolio) -5,7% 43,0 36,7 37,2 34,6 34,6 0,20% 0,17% 0,17% 0,16% 0,16% 1T-25 2T-25 3T-25 4T-25 1T-26 1T-25 2T-25 3T-25 4T-25 1T-26
Slide 18: Efficiency
Efficiency Figures in billions and percentage Operational expenses Efficiency (Operating expenses / (Net net interest income + net fees and commissions + other income) +7,1% +1,1% 354,3 358,2 334,6 324,6 316,7 104,2% 92,8% 96,7% 92,0% 88,1% 1T-25 2T-25 3T-25 4T-25 1T-26 1T-25 2T-25 3T-25 4T-25 1T-26
Slide 19: Utility and Profitability Indicators
Utility and Profitability Indicators Net income (accounting) +17,0% -35,6% 5,5 4,1 3,2 2,6 2,2 1T-25 2T-25 3T-25 4T-25 1T-26 ROAA ROAE 0,92% 0,07% 0,05% 0,52% 0,04% 0,37% 0,03% 0,03% 0,16% 0,11% 1T-25 2T-25 3T-25 4T-25 1T-26 1T-25 2T-25 3T-25 4T-25 1T-26 ROAA for each quarter is calculated as the an
Slide 20: Utility and Profitability Indicators
Utility and Profitability Indicators Figures in billions and percentage Estado de Situación Financiera mar-25 mar-26 ∆$ Vs. ∆% 12 Acumulado a marzo 2026 COP$ miles de millones Real Real mes meses Estado de Resultados Real Acum. 26 vs 25 Disponible 1.449,3 1.901,3 452,1 31,2% Comercial moneda legal 5
Slide 21: Sustainable Management
.™banco smmmndd ROAL Managem ent Sustainable a
Slide 22: Sustainability Model
Sustainability Model Social To be a Bank that transforms its To be the leading bank in culture to make life's best time Colombia that understands the Inclusive finance possible Cultural needs of a longer-lived transformation population Ecosystem of accessible and inclusive products Performance The B
Slide 23: Pillars
Pillars A B C D Economic growth, profitability Culture, well-being, inclusion Responsible and consistent Governance with purpose and innovation and social equity environmental management To boost the Bank's economic • Promote financial inclusion, Strengthen corporate Identify, measure, assess and gr
Slide 24: Acknowledgments and endorsements
Acknowledgments and endorsements Green Protocol S&P Global's Corporate Sustainability Assessment (CSA) Voluntary Agreement between the financial sector and It assesses the environmental, social, and governance the National Government, aimed at articulating efforts to performance of participating com
Slide 25: Corporate Governance Management
6 Government Corporate Management
Slide 26: Board Members
Board Members Mauricio María Ximena Diego Fernando Rafael Paula Hernando Lombana Villalba Solano Saravia Arango Street Durán Fernández Amador Andrade Ernesto José Natalia Luis Ernesto John Paul Gutiérrez de Piñeres Ramírez Carrizosa Mejía Castro Zárate Perdomo Luna Non- Member The profiles of the di
Slide 27: Support Committees – Board of Directors
Support Committees – Board of Directors Corporate Governance, Audit Committee Sustainability and Human Talent Risk Committee Committee The purpose of this committee is to The objective of this committee is to The objective of this committee is to assist the Board of Directors in its assist the Bank'
Slide 28: Senior Management Structure
Senior Management Structure
Slide 29: Contact Information
Contact Information www.bancopopular.com.co Alejandra Dumar Carrizosa Corporate Governance and Sustainability Management IR@bancopopular.com.co (601) 7560000