Slide 1: Banco Davivienda Corporate Presentation 2Q26
Banco Davivienda Corporate Presentation 2Q26
Slide 2: Disclaimer
The information hereby presented is exclusively for informative and illustrative purposes and it is not, nor does it pretend to be, a source for legal or financial assessment of any kind. Certain statements in this presentation are “forward-looking” statements within the meaning of the U.S. Private
Slide 3: Content
@ Content 1) Business Model, History and Strategy 11 1.2 1.3 Banco Davivienda at a Glance Ownership Structure Grupo Bolivar History Our Strategy Sustainable Management Digital Transformation and DaviPlata Wealth Management 2 ] Financials 21 2.2 2.3 2.4 2.5 2.6 Diversified Loan Portfolio Credit Risk
Slide 4: Business Model, History and Strategy
Business Model, History and Strategy
Slide 5: Banco Davivienda at a Glance
Main Figures USD Billion S © Assets $66.2 se @ Gross Loans $50.8 Deposits $48.5 Equity $5.6 Net Profit’: § 181.3 Main Ratios NIM FX+D 3M Cost of Risk 3M Cost-to-Income 3M? ROAE 3M? PDLs > 90 days Coverage + Collaterals* CET1 Ratio Total Capital Ratio QQ -0.3% 0.3% -0.6% 1.2% >100% 6.00% 1.99% 50.79%
Slide 6: Our Ownership Structure
ae _ Our Ownership Structure Retail* Foreign 0.8% i 3.3% Other’ Foreign Other? Investors Other? 0.2% Investors 0.6% 0.2% 0.1% Preferred shares 116.601.012 23.9% Common shares Total shares 487.670.413 100% 371.069.401 76.1% DAVIMIENDA DAVIMIENDA DAVIMIENDA —— Group <a Group Group 98.9% 95.9% 99.9% Du
Slide 7: We belong to Grupo Bolivar
€ We belong to Grupo Bolivar Among the most important conglomerates in Colombia with over 80 years of experience. USD $85.3 Bittion +33 Million Assets Customers USD $7.28 +31k Equity Employees Financial Services Insurance? DAVIMIENDAN SEGUROS BOLIVAR 2nd 3rd by Gross Loans in Written Premiums USD 50
Slide 8: A history of learning and innovation, with sustainable growth
es A history of learning and innovation, with sustainable growth Savings and Loans Corporation 2Q26 13.1% a 20926 aes iso Market Share by 1994 _ ZZ Assets’ 3.8% 2018 14.9% Market Share by 2015 _ 3 13.4% Loans 2010-2011 USS120M IPO US$205M follow-on. 1997 1972 Davivienda Davivienda is becomes a o 200
Slide 9: Our Strategic Focus Areas
es Our Strategic Focus Areas r Banco Davivienda, regionally recognized for its Innovation and Service Model Providing the most comprehensive product offering Providing the best customer experience Simple, reliable and customer-focused service Built to support every stage of financial life Innovation
Slide 10: Our Sustainable Management
@ Our Sustainable Management Our strategy is sustainable and aligned with several standards and reporting frameworks. We have prioritized 8 SDGs to which we contribute through various initiatives across different lines of business. We make it easier for people, families, and businessesto achieve the
Slide 11: Main Results of our Sustainable Strategy
@ Main Results of our Sustainable Strategy Sustainable Portfolio Environmental and Social Risk Management 18.8% 20.1% 8% 20.1% 17.9% 18.0% _—*19-4% ee NOG Yau ; aim 6.0 6.4 2.3 2.4 2.5 2Q25 3Q25 4Q25 1Q26 2026 98 new assessments for 872 Me - >100% We integrate the identification, id USDM assessment,
Slide 12: A clear progress in the Digital Transformation of our Bank
@ Aclear progress in the Digital Transformation of our Bank Digital Products Portfolio” Transactions by Channel (USD Billion) (% of monetary transactions) 5.6 9% 53% 46 5.1 ao w 41 a . 3.7 Digital Clients* OE a 3.6 38 T% 29% e 94.2% 3.0 3.2 3.5 eo Ww 0.5 0.5 0.5 0.5 0.5 6% 11% we wy 2025 3925 4925 1
Slide 13: DaviPlata, our Neobank
rss DaviPlata, our Neobank Beyond a wallet, DaviPlata is our neobank for everyone. Simple, reliable, and always available. Young Adults Migrants Foreign Residents Low-Income Individuals Entrepreneurs Our Segments Merchants (Microbusinesses) Employees Davivienda Group Customers Financial system clien
Slide 14: DaviPlata supports customer acquisition, funding and income generation
OOM! Customers and Deposits 352 4% 31% 315 337 goo 268 285 1% 5% ye ow 2Q25 3025 4Q25 1026 2Q26 Total Low-Amount Deposits - Daily MB cients (M) Average for the quarter (USD M) Transactions and Purchases” 8% 9% QQ i 13% 33% eye WY 6M25 6M26 Accumulated 2025 3Q25 4Q25 1026 2026 = Monetary Transactions
Slide 15: DaviPlata supports customer acquisition, funding and income generation
DaviPlata supports customer acquisition, funding and income generation Cross-Selling Results CAC DaviPlata / Davivienda (12 Months) 1,022 4% 32% 933984 Gia iH? 1.22 12% 47% 844 1.00 1:22 774 a oes 0.91 J 8% 35% ie 11% 28% oo Wy sueieia7s2) reo) 4018 2025 3025 4025 1026 2026 2025 3025 4025 1026 2026
Slide 16: Wealth Management
@ Wealth Management! AUM Evolution (USD Billion) CAGR: 4.9% 2019 2020 2021 2022 2023 2024 2025 2Q26 @ Funds and Portfolios @ Assets Under Custody @ Trust Funds Market Share oe 13.9% 11.8% Mutual © 10.9% 49,3% 10.9% 10.6% 19.1% Funds Voluntary 7.6% 7.3% 8-1% 8.5% 8.5% 7.8% 7.8% Pension Funds 2020 202
Slide 17: Financials
Financials
Slide 18: A diversified loan portfolio focused on strategic segments
products Gross Loans’ @ Adiversified loan portfolio focused on strategic segments and Loan Mix (%) $31.0 $34.5 $42.1 $39.5 $42.3 0.3% oe 0.5% 1.09% on a 0.3% -3.2% ag 00 0.2% 2.9% aa of 2019 2020 2021 2022 2023 2024 2025 2Q26 2020 2021 2022 2023 (2024 2025 2Q26 @ Central America [ Colombia USD ™® Co
Slide 19: Sound Credit Risk Management
@ Sound Credit Risk Management 1 3 Total PDL & Coverage Coverage + Collaterals by Segments 155.6% 140.3% 144.3% 147.2% 149.8% 187.7% 188.6% 189.7% 176.3% so14% 151.7% 94.3% 97.3% , 86.4% o15% 151.7% 145.3% 141.1% 141.1% 4.46% 4.39% 3.79% 3.75% 3.70% AES ae 4.20% 4.18% . AG 140.0% 140.6% 3.59% 3.57%
Slide 20: Stable and Diversified Funding Sources
@ Stable and Diversified Funding Sources uso sition CAGR: 10.54% $44.3 m Demand deposits $37.7 $4.7 . $29.5 @ Term deposits 6 $17.5 = Credits = Bonds Orbe 2019 2020 2021 2022 2023 2024 2025 2026 Loans to Deposits 128.9% 122.3% 120.2% 120.8% 110.2% 106.7% 104.8% 104.7% Loans to Funding Sources 95.9%
Slide 21: Robust Capital Structure
@ Robust Capital Structure Capital Adequacy Ratios 17.50% 15.58% 11.50% Minimum 2Q25 3Q25 Requirements + Buffers* Equity & RWAs?* 2Q26 AQ Accounting Equity 5.6 1.2% Common Equity Tier 1 5.1 1.2% Additional Tier 1 0.5 -7.5% Total Technical Capital 6.8 -1.2% RWAs 42.2 -0.4% Credit Risk *100/9 37.7 -0.
Slide 22: Key Financial Ratios
@_ Key Financial Ratios Margins & Cost of Risk 6.58% 6.31% 6.33% 6.23% 4 5.65% 5.74% 5.76% 4.35% 3.94% 3.57% 2.78% 2.50% 2.38% 2.25% 1.93% 2019 2020 2021 2022 2023 2024 2025* 6M26 =CoR = NIMFX&D Efficiency Ratios 54.8% 54.7% 54.8% 53.2% 46.2% 47.1% 47.1% 47.8% 3.2% 3.0% 3.2% 3.1% 3.3% 3.4% 3.4% 3.3%
Slide 23: A Leading Franchise in Colombia
@ ALeading Franchise in Colombia Customers’ +24M Branches 487 ATMs 2.2k Employees +10k Usp Billion June 2026 Q/Q Ranking Market Assets $46.9 1.4% 2 13.1% Gross Loans $35.8 2.5% 2 15.6%? Commercial $17.1 2.0% 2 14.1% Consumer $7.4 3.4% 3 11.4% Mortgage $11.3 2.4% 1 25.8%? Deposits $33.5 0.9% 2 13.8%
Slide 24: Relevant Position in Central America
@s_ Relevant Position in Central America Total Central America’ we Honduras USD Million Jun. 26 Qa Cott Assets 20,602 | 1.4% El Salvador = Gross Loans 14,027 1.0% Customers +2.3M Commercial 5,545 0.4% Branches 168 Costa Rica Consumer 4,156 1.2% ATMs 809 Mortgage 4,327 1.6% Employees +6.6K Deposits 1
Slide 25: Management Team
Management Team
Slide 26: Board of Directors and its Supporting Committees
@ Board of Directors and its Supporting Committees @® Audit Committee > Supports BoD in supervising effectiveness of internal controls. > Composed of five directors, three are independents members of the BoD. > Reviews financial audited statements prior submission to the BoD. Corporate Governance &
Slide 27: Experienced Management Team
@ Experienced Management Team Pedro Uribe Executive VP. Corporate Banking © Bachelor's degree in Industrial Engineering and Specialization in Finance from Universidad de los Andes and an MBA from INALDE. © Over 26 years of experience in the financial sector. Ricardo Leén Executive VP. Technology and
Slide 28: Appendix
Appendix
Slide 29: Macroeconomic Fundamentals Colombia
@ Macroeconomic Fundamentals Colombia @ Economic Activity Index (Y/Y) Quarterly Average 3.8% 3.6%" 1.0% 5 2.2% 2.106 Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Source: National Administrative Department of Statistics (DANE). *April and May 2026 average. Exchange Rate and Oil Prices 5,06
Slide 30: Financial System Colombia
@ Financial System Colombia @ Loan Portfolio Interest Rates on Loans (Annual Growth) (4-week moving average) Apr. 23 AT.I% Jun.25 Mar. 26 Jun. 26 Jun.25 Mar.26 Jun.26 0% Mortgage 11.6%’ 9.4% z Consumer 9.6%" 29.0% Cap Rate! 28.8%" Total 9.0%" Consumer 21.8%" 6.1% y } Commercial 7.3%* 17.2% Total 18.
Slide 31: Macroeconomic Fundamentals CAM
@ Macroeconomic Fundamentals CAM === Quarterly Gross Domestic Product (Y/Y) Jun. 25 Dec.25 Mar.26 10.8% Panama 4.8%" : El Salvador 4.8%* 4.8% Honduras 3.8%" — Costa Rica 1.8% 4.1%" Dec-22 Jun-23 Dec-23 Source: Central Banks of Central America. Rica 3.40% (June 30th, 2026) Exchange Rate Jun-24 Dec-24
Slide 32: Consolidated Balance Sheet
@ Consolidated Balance Sheet USD Million 2Q25 1926 2Q26 $aQ gyQ SyY/Y YIY ASSETS Cash and Interbank Funds 4,682 6,404 5,902 -501 -7.8% 1,220 26.1% Investments 6,713 7,575 7,484 -91 -1.2% 770 11.5% Gross Loans 42,166 50,627 50,775 148 0.3% 8,609 20.4% Commercial 20,069 23,264 23,301 37 0.2% 3,232 16.
Slide 33: Consolidated P&L
@ _ Consolidated P&L Quarter Accumulated USD Million 2Q25 1926 2Q26 $Qia Qa SYIY YY Jun 2026 Financial Income 1,336 1,506 1,659 154 10.2% 323 24.2% 3,165 Loans 1,178 1,362 1,424 62 4.6% 246 20.9% 2,786 Investment 134 105 195 89 84.5% 60 45.1% 300 Other Income 24 38 41 2 6.0% 16 67.0% 79 Financial Ex
Slide 34: Investor Relations contact
D/WVIMIENDMN Banco Davivienda S.A. Investor Relations ir.davivienda.com ir@davivienda.com + 57 (601) 220 3495 Bogota - Colombia