Grupo De Inversiones Suramericana S.a. · BVC:GRUPOSURA
Grupo De Inversiones Suramericana — Grupo SURA — Investor Day (October 2025)
23 slides from Grupo De Inversiones Suramericana's investor day presentation, October 2025
Slide 1: SURA Asset Management: Leader in pension fund administration and asset management in Latin America
Slide 2: Disclaimer
laimer GRUPO sura WW This document may contain forward-looking statements telated to Grupo SURA and its subsidiaries, which have been made based on assumptions and estimates by the Companies’ management and may vary. For better illustration and decision-making, the figures are administrative and not
Slide 3: SURA Asset Management
sura > ASSET MANAGEMENT. SURA Asset Management Ol Overview of SURA Asset Management and its businesses O2? Levers for organic growth 03 Value attributes Profitable growth, regional diversification, and capital structure
Slide 4: Overview of SURA Asset Management and its businesses
sura > ASSET MANAGEMENT. 01 Overview of SURA Asset Management and its businesses
Slide 5: We are a company with a regional footprint
7 We are a company with a regional footprint sura > ASSET MANAGEMENT Leading company in pension fund management, USA pm asset management and investment advisory in Latin America, with over 40 years of experience. usb121M_ LUXEMBOURG _——_@—___~ —__< MEXICO 2 , viene Me BUSINESSES USP72.6Bn 8.6M _ 24
Slide 6: Two businesses, one purpose
* Mandatory pension * Voluntary pension * Severance * Lifetime annuities * Previsionalinsurance ArPIntegra » Sura Proteccién asulado Two businesses, one purpose Support our clients in building financial well-being and wealth goals sura > ASSET MANAGEMENT Wealth Management Corporate Solutions Institu
Slide 7: 2024 2028 (E) 4.7 3.5 2024 2028 (E)
232 156 2024 2028 (E) 4.7 3.5 2024 2028 (E)
Slide 8: 2024 2028 (E) 2024 2028 (E)
37 21 2024 2028 (E) 858 542 2024 2028 (E)
Slide 9: Levers for organic growth: Customers, channels, investments, technology, and talent
sura > ASSET MANAGEMENT. if Levers for organic ~~ growth: Customers, channels, investments, technology, and talent
Slide 10: We design strategies to attract and retain high-potential clients
_/ We design strategies to attract and retain high-potential clients, creating long-term relationships 24M CLIENTS 79% 23M SAVINGS AND RETIREMENT nn ro) 6 M Operational efficiency Growth, bd and system sustainability. Deepening, SURA Loyalty. INVESTMENTS GENERATIVE Al ANALITICS BEHAVIORAL SCIENCES C
Slide 11: Excellence in investment management: the engine for business growth
Excellence in investment management: the engine for business growth USD 192:n UsD Managed" 19BN USD 118N Contributions last 12 months % AUM Alpha-positive *Figures as of June 2025 sura > ASSET MANAGEMENT IRRESPONSIBLE and CLUE ANNAN 383 investment 2 3 Professionals in the investment process CFA, CAI
Slide 12: Excellence in investment management: the engine for business growth
A Excellence in investment management: the engine for business growth Global portfolios with investment capabilities across diverse asset classes Fixed income 56% Equities 27% Alternatives 12% Liquidity and others 4.2% Asset Allocation 37% International sura > ASSET MANAGEMENT Main partners Business
Slide 13: We materialize economies of scale through technology and regional synergies
SY We materialize economies of scale through surd S technology and regional synergies ASSET MANAGEMENT In the last 5 years: +USD 100 millon +USD 4 million Operational efficiencies through channel and service digitization Saving S from Al usage* Channel Customer and Efficiency and Evolution of IT arc
Slide 14: We have a diverse team with an on-the-ground presence
/ We have a diverse team with an on-the-ground presence, sura = which gives us a unique understanding of the local market a ASSET MANAGEMENT Executive team Employees People are the differentiating Holding and businesses 7,239 &) 38% factor of this company @ 25% 0 fe) 20°: jp 4,336 6.6% 90% aP of exp
Slide 15: Value attributes: Profitable growth, regional diversification, and capital structure
sura > ASSET MANAGEMENT. Value attributes Profitable growth, regional diversification, and capital structure
Slide 16: 0.70% 0.60% 0.50% 0.40% 0.30% 0.20% .10% - 0.00%
300 0.70% 250 0.60% 0.50% 200 0.40% 150 0.30% 100 0.20% 50 0.10% - 0.00%
Slide 17: 3.5 60% 3.0 50% 2.5 40% 2.0 30% 1.5 20% 1.0 0.5 10% 0.0
3.5 60% 3.0 50% 2.5 40% 2.0 30% 1.5 20% 1.0 0.5 10% 0.0 0%
Slide 18: We have a solid cash generation capacity
We have a solid cash generation capacity sura > ASSET MANAGEMENT DIVIDENDS COP billions CAGR 20-25 = 13% 709 619 361 333 276 366 385 262 276 2020 2021 2022 2023 2024 2025 609 COP 6,2Tn Dividends paid between 2012-2025 Ordinary Extraordinary
Slide 19: Focus on profitable and sustainable growth
Focus on profitable and sustainable growth 2 AVERAGE ROE 7.1% * Mexico reform Covid 19 Regulatory withdrawals Protection risk transfer 7.3% 5.6%, 4.6% 2020 2021 2022 2023 8.7% 9.4% 2024 2025 (E) ROE methodology: The sum of normalized net controlling interest income before amortization of intangibles
Slide 20: We respond to regulatory challenges with productivity and efficiency initiatives
Regulatory Reduction in the pressures and average implicit reforms commission Cost reduction and efficiency efforts INVESTMENT 2025 7 YPTIOM (427M TOTAL TECH ~ EFFICIENCY SPENDING PROJECTS sura > ASSET MANAGEMENT We respond to regulatory challenges with productivity and efficiency initiatives COP tr
Slide 21: Leveraged in an efficient capital structure
Leveraged in an efficient capital structure sura > ASSET MANAGEMENT GROSS DEBT DEBT INDICATORS COP trillions 3.0x 42 ae 3.5) 3.3) 3.3) 2.8} 2020 2021 2022 2023 2024 2025(E) 2020 2021 2022 2023 2024 2025 (E) — Debt/ Adjusted EBITDA Figures in real rate. Cost of debt, EBITDA LTM / interest and gross d
Slide 22: Closing remarks
SN suraS SURA Asset Management, Closing remarks O4
Slide 23: SURA Asset Management
SURA Asset Management Astory of sustained growth * Organic levers. + Betonnew segments. + Low debt. Regional diversification, the business's competitive advantage * Different sources of income and dividends. * Low correlation in business results. Profitability that grows over time and is leveraged b