Grupo De Inversiones Suramericana S.a. · BVC:GRUPOSURA
Grupo De Inversiones Suramericana — Investor Day (October 2025)
17 slides from Grupo De Inversiones Suramericana's investor day presentation, October 2025
Slide 1: 4th Largest Insurance Group of Latin American origin
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: Suramericana
Suramericana Ol Ss suramericana => a Overview Of Suramericana and its businesses Core Capabilities Results and opportunities
Slide 4: Overview of Suramericana and its businesses
Ss suramericana => a 01 Overview Of Suramericana and its businesses
Slide 5: We are a leading multichannel, multi-segment and multi-region company
\ / We are a leading multichannel, multi-segment and multi-region company in the Latin American market 80% of our investments are in the Top 3. | Written premiums Equity Net Income #4 Insurance Group $19.4 tn $6.1 tn $756 bn of Latin American origin. Diversified revenue suramericana = model: — . +19
Slide 6: Insurance platform, services and new suramericana business models
Insurance platform, services and new suramericana business models ‘aff 7 +SURA Re Service New 36% 22% * Reinsurance provider bussiness Cannpanitas Life Latin American * Capital companies models countries * Innovation Experience + Expanding 21% 21% Risk borders Management * Market Creation Health Eff
Slide 7: We build a diversified business footprint with high potential
We build a diversified business footprint with high potential —~,. a ~4p_ Dominican Republic a o Mexico WRITTEN PREMIUMS DISTRIBUTION Panama Other Uruguay 3%. 4% Colombia en 61% P&C ‘ , va 57% Latin American jexico ] i tl 1% countries Chile Life #1 Insurance 15% 43% Company In Colombia with leadersh
Slide 8: Core Capabilities
O2 Core Capabilities suramericana
Slide 9: Human talent at SURA: Purpose Enabler and Future in Action
/ Human talent at SURA: Purpose Enabler and Future in Action suramericana RECOGNIZE * Risks and opportunities EMPOWER * Policies and risk appetites Trends Environment Enables business development in the territory ‘ath CREATE VALUE * Shareholder * Human * Society Talent CONNECT @Crupocibest SUAS Prot
Slide 10: A technology that generates efficiency and improves customer experience
And a technology that generates efficiency, integrates digital suramericana ecosystems, transforms processes and improves the customer experience \W
Slide 11: SURATECH: Digital Business & Digital Product Developer
7 SURATECH: Digital Business & Digital Product Developer suramericana S Digital Business Agency 2 Development of CAGR (vs'2023) ums (ve 39% in 2022) new markets through the use and exploitation digital products developed of technology . . . . . Channel digitalization Full implementation in Colombia,
Slide 12: Results and opportunities
Results and opportunities suramericana
Slide 13: We integrated and consolidated to become a larger, more efficient company
We integrated and consolidated to become a larger, suramericana Fy = more efficient, and more profitable company WRITTEN PREMIUMS COP bn COP bn 390 Efficiency ROYE 16.1% (+4.4% vs 2019) 15.2% ROE 13.1% (+3.8% vs 2019) (-3.2% vs 2019) Figures in COP billions excluding EPS SURA. ROE and ROTE as of Dec
Slide 14: Moving towards a more efficient model in property and casualty
/ We are moving towards a more efficient and suramericana = profitable model in the property and casualty segment Written Premiums ¢ 1.6 million vehicles 2019 CAGR 2024 2028 ¢ +500 thousand insured companies 7tn 9% 1ltn 1.4x ¢ +1 million insured households Combined Ratio Distribution: 2019 * Suratec
Slide 15: Strengthening our leadership in Health & Life
S A = Strengthening our leadership in Health & Life suramericana with regional expansion and accelerated growth +8.9 million of people insured Written Premiums in life +1 million insured in voluntary health +5 million of insured people in compulsory health care 2019 CAGR 2024 5.9tn 11% 8.7 tn Net In
Slide 16: Ambitions 2028
suramericana S Ambitions 2028 a ( Written ( Efficiency a ROE (ROTE Premiums COP >28 <98% ~15% ~17% trillions Combined Ratio 14x ee
Slide 17: A powerful, resilient platform capable of sustained growth and profitability
/ We are a powerful, resilient platform capable of suramericana S generating sustained growth and profitability nade Distribution Growth Models Attraction —_ Customer Experience “ Value MARKET Proposition DEVELOPMENT Risk Management Models ry Profitability Connectivity Loyalty ————_______________/ 2
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