Banco Bilbao Vizcaya Argentaria Colombia Sa Class B · BVC:BBVACOL
Banco Bilbao Vizcaya Argentaria Colombia Sa Class B — BBVA Colombia — Investor Presentation (2026)
11 slides from Banco Bilbao Vizcaya Argentaria Colombia Sa Class B's investor presentation, 2026
Slide 1: Corporate Presentation BBVA Colombia
Corporate Presentation BBVA Colombia The IR recognition granted by Bolsa de Valores de Colombia S.A. does not constitute certification of the quality of the listed securities or the solvency of the issuer.
Slide 2: Disclaimer
Disclaimer This document is only provided for information purposes and does not constitute, nor must it be interpreted as, an offer to sell or exchange or acquire, or an invitation for offers to buy securities issued by any of the aforementioned companies. Any decision to buy or invest in securities
Slide 3: About BBVA
About BBVA BBVA´s GLOBAL PRESENCE FINANCIAL HIGHLIGHTS DECEMBER 2025 DECEMBER 2025 Countries Employees Net attributable profit 2025 CET 1 >25 127,174 10,511M€ 12.70% Branches Active clients Total Gross loans & advances Customer 5,642 81.2M assets 859,576 M€ to customers 472,697 M€ deposits 502,501 M€
Slide 4: Our new strategic priorities will reinforce our leadership position
Our new strategic priorities will reinforce our leadership position Integrate a Radical Customer Drive Sustainability Scale All Business Perspective into as a Growth Engine Segments Everything We Do Promote a Value and Reinforce Our Unlock the Potential Capital Creation Empathy, Succeed as of AI and
Slide 5: Our purpose: Support your drive to go further
Our purpose: Support your drive to go further OUR VALUES Customer comes first We think big We are one team
Slide 6: About BBVA Colombia
About BBVA Colombia Coverage across Colombia Operating Scale International Ratings Branches FITCH MOODY'S 311 Long Term: BB+ Short Term: B Long Term: Baa3 Short Term: Prime 3 100% ATMs Local Ratings 1,392 FITCH RATINGS Long Term: AAA (Col) Short Term: F1+ (Col) Employees 5,119 Source: BBVA Managemen
Slide 7: BBVA Commitment to Colombia
BBVA Commitment to Colombia BBVA Colombia benefited more than 154,000 people through its social programs and community investment initiatives. Education Volunteerism Humanitarian Aid 81,000 5,469 COP 780M Beneficiaries Volunteer Hours Invested Scholarships for Bancamía 588 unique employees 13,775 aid
Slide 8: 4Q25 Key Financial Messages
4Q25 Key Financial Messages Activity Efficiency Gross Margin Asset Quality Capital Position 453B 57.3% +7.9% 2.2% 2.66% Cumulative net Efficiency ratio vs 4Q2024 Cost of risk CET1 ratio above the income minimum required Gross Margin Growth (buffer) +6.5% -0.2% 88.4% vs 4Q2024 vs 4Q2024 Coverage ratio
Slide 9: Funding Strategy | Optimizing the balance sheet
Funding Strategy |Optimizing the balance sheet Clientʼs Deposits – Trillion COP Funding Mix Separated figures p. 9
Slide 10: Capital Position | Solid and well-capitalized
Capital Position |Solid and well-capitalized +266 bps CET 1 Ratio above the minimum regulatory level Capital Adequacy Ratios Regulatory Capital – Billion COP p. 10 Separated figures
Slide 11: Contacts
Daniel Patron Garcia CONTACTS Head of ALM & IR Investor Relations Paula Galindo Vargas Manager of Investor and Shareholder Relations bbvacolombia-ir@bbva.com The IR Recognition granted by Bolsa de Valores de Colombia S.A. (the Colombian Stock Exchange) is not a certification of the registered securit