Grupo De Inversiones Suramericana S.a. · BVC:GRUPOSURA
Grupo De Inversiones Suramericana — Q2 2025 Earnings Presentation
25 slides from Grupo De Inversiones Suramericana's earnings presentation, August 2025
Slide 1: 2025 Results Presentation
2025 Results Presentation
Slide 2: Disclaimer
GRUPO sura Ky V | This document may contain forward-looking statements e e telated to Grupo SURA and its subsidiaries, which have been made under assumptions and estimates of the management of the Companies and may present variations. For a better illustration and decision making, the figures are ad
Slide 3: Grupo SURA evolution, consolidated results, results by company
Grupo SURA evolution Consolidated results Results by company
Slide 4: Grupo SURA Evolution
GRUPO sura WW GRUPO SURA EVOLUTION
Slide 5: Advancing in our strategic objectives
Advancing in our strategic objectives Focus and deepening in financial services, while achieving value for our shareholders. enAREHOLDER COMPANy Simpler structure enables value disclosure. Increased liquidity and market value, managing to enter global indices. Focus and deepening on financial servic
Slide 6: Value visibility: shareholders perceived increase in valuation of their investment
Value visibility: Our shareholders percieved a increase of the valuation of their investment of 65% for the common share and 93% for the preferred share from the signing of the agreement 6
Slide 7: Economic stake of shareholders increased by 77% compared to December 2023
Increase: Economic stake of shareholders increased by 77% compared to December 2023 • • COP 1 COP 1.6 COP 0.4 COP 2.0 +102% COP 1 COP 2.8 COP 0.6 COP 3.4 +242% ¹ 7
Slide 8: Increased market interest: liquidity increases 4x with additional index exposure
Increased market interest: liquidity increases 4x with addtitional exposure to local and international indices 8
Slide 9: Discount of shares remains at 20% to 38% to the estimated spin-off value
Discount of shares remain in at 20% to 38% to the estimated value GRUPO of calculated in the Spin-Off Project, despite the increase in the share price sua > Evolution of Grupo SURA's market value COPSBn Implicit P/BV valuation : 2024->0.5x Stake delivered 20% - 38% ¥ to our shareholders discount 202
Slide 10: Financial group backed by an ecosystem of leading companies
Financial group backed by an ecosystem of leading companies, with a regional presence, leveraged on talent, technology and scale to capitalize on opportunities GRUPO NS sufa % Regional financial platform Strong ESG practices : -_ Commitment to sustainability 76 million customers and corporate govern
Slide 11: More than 41,000 shareholders strengthen the free-float and liquidity
More than 41,000 shareholders are part of Grupo SURA's shareholder base, strengthening the free-float and liquidity of the share 11
Slide 12: Grupo SURA 2Q 2025
GRUPO sura WW GRUPO SURA | 2Q 2025
Slide 13: Controlling net income closes at COP 1.2 tn in June
Grupo SURA's controlling net income closes at COP 1.2 tn in June, placing it at the top of the range of the guidance for the year Operating revenue Operating profit Controlling Net Income Adjusted¹ Adjusted¹ Adjusted¹ +4.7% +13.1% +33.5% 11.7% Var% June 2025 vs June 2024 ADJUSTED ROE2 ¹ 13
Slide 14: Net earnings per share reached COP 6,003 in the last twelve months
Net earnings per share reached COP 6,003 in the last twelve months, reflecting a compound annual growth of 16.2% since 2019 ¹ 14
Slide 15: Investments Performance 2Q 2025
INVESTMENTS PERFORMANCE] 2Q 2025 GRUPO sura WW \
Slide 16: Technical result increased by 10.0% as a result of lower claims
Technical result increased by 10.0% in the year as a result of lower claims, amid lower growth in premiums due to risk appetite and a greater competitive environment Written Premiums Technical result Investment income Controlling Net Income Proforma Proforma Proforma Proforma +3.1% +10.0% +2.2% -5.0
Slide 17: Premiums in the P&C segment decreased 3.7% cumulative
Premiums in the P&C segment decreased 3.7% in the cumulative product of lower risk appetite, as well as a greater competitive environment in car insurance. Written Premiums Technical result Investment income Net Income -3.7% -5.2% +1.3% -49.7% C O M B I N E D R AT I O 101.8% 106.3% Var% June 2025 vs
Slide 18: Life segment profits up 11.7%
Life segment profits up 11.7%, driven by premium growth and lower cumulative claims Written Premiums Technical result Investment income Net Income +11.6% +4.8% +11.7% +73.7% C L A I M S R AT I O 67.6% 64.2% Var% June 2025 vs June 2024 18
Slide 19: Suramericana Guidance 2025
> Suramericana suramericana > Guidance 2025 = 2025 UP DATE Written Premiums 8% . 10% 6% - 8% Life: 11% 13% Life: 11%-13% P&C: 6% - 8% P&C: 3% - 5% Claims 57% - 58% 57% - 58% Administrative Expenses / 14% - 15% 15% - 16% Written Premiums Adjusted ROE 9.5% - 10.5% 10.0% - 11.5% —> Adjusted ROTE 12% -
Slide 20: Net income up 42.1%, driven by operational improvements
Net income up 42.1%, driven by operational improvements and higher return on legal reserve AUM Fee and Commission Operating profit Cop Tn Income Excluding legal reserve Net Income +15.1% +9.4% +42.1% +14.7% ADJUSTED ROE 8.7% 10.4% OPERATING MARGIN EXC. LEGAL RESERVE Var% June 2025 vs June 2024 at co
Slide 21: Savings & Retirement operating profit excluding legal reserve grew 15.1%
Savings & Retirement Operating Profit excluding legal reserve grew 15.1% in constant currency, driven by an 8.5% increase in fee and commission income and control of administrative expenses Fee and Commission Income from legal Operating profit excluding Income reserve legal reserve +8.5% +15.1% +57.
Slide 22: SURA Investments' cumulative operating profit grows 76.4%
SURA Investments' cumulative operating profit grows 76.4%, leveraged by a 17.0% increase in AUM and an operating margin expansion of 350 basis points AUM Fee and Commission Income Cop Tn Operating profit +17.0%* +18.2% +76.4% Var% June 2025 vs June 2024 at constant rate 22
Slide 23: Grupo Cibest recorded a solid first half performance
Grupo Cibest recorded a solid performance in the first half of the year, with net income of COP 3.5 bn (+13.7%) and an ROE of 16.8%, leveraged on a lower cost of credit and resilient NIM Total Gross Loans Net Income Net Interest Margin +4.4% +13.7% Quarterly ROE 23
Slide 24: Contribution from financial operations increases by 16.8%
Contribution from financial operations increases by 16.8% compared to 2024 and reaches COP 1.8 trillion leveraged by the good performance of SURA AM and Grupo Cibest Controlling net income composition 2,000 1,800 1,600 1,400 1,200 1,000 800 600 400 200 - ¹ ² 24
Slide 25: Cash flow remains robust post-spinoff
Cash flow remains robust post-spinoff, allowing financial flexibility to be preserved • • 25
Grupo de Inversiones Suramericana S.A. (Grupo SURA) — Q2 2025 Earnings Presentation on 6ix