Slide 1: Banco Davivienda Corporate Presentation 4Q25
Banco Davivienda Corporate Presentation 4Q25
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 Page Page 1 About Davivienda 4 7 Digital Transformation and DaviPlata 12 2 Grupo Bolívar 5 8 Wealth Management 16 3 Ownership Structure 6 9 Credit Risk Management 17 4 Sustainable Management 7 10 Capital Structure 18 5 History 9 11 Key Ratios 19 6 Loan Portfolio and Funding Sources 10 12 Col
Slide 4: Banco Davivienda at a Glance
Banco Davivienda at a Glance Loans: $16.6 Bn Loans: $15.2 Bn Main Figures Customers: 10.5 M Customers: 447 k USD Billion Y/Y 2 Assets $ 59.8 17.3% 2 Gross Loans $ 45.5 17.4% Deposits $ 43.4 19.5% Equity $ 5.0 16.6% Net Profit1 $ 398.6 N.A. Deposits: $382.2 M Loans: $13.6 Bn Customers: 19.4 M Custome
Slide 5: We are part of Grupo Bolívar
We are part of Grupo Bolívar Among the most important conglomerates in Colombia with over 80 years of experience. USA (Miami) USD $77 Billion +32 Million Honduras Assets Customers El Salvador USD $6.6 Billion +31 K Costa Rica Colombia Equity Employees Panamá Financial Services Insurance Construction
Slide 6: Ownership Structure
Ownership Structure Retail1 Retail1 0.8% 3.3% Foreign Other2 Foreign Other2 Other2 Investors 0.2% Investors 0.7% 0.1% 0.1% 0.03% Total shares Preferred shares Common shares 487.670.413 116.601.012 371.069.401 100% 23.9% 76.1% 98.9% 95.8% 99.9% During 2025, Davivienda Group became the main shareholde
Slide 7: Our Sustainable Management
Our Sustainable Management Our strategy is sustainable and aligned with various 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 businesses to achieve their
Slide 8: Our Sustainable Management
Our Sustainable Management We continue advancing our purpose of making the world a more Prosperous, Inclusive, and Green home. Sustainable Portfolio (USD Bn) Achievements Y/Y 24% $13.5 Bn 1 disbursed in 1 We stood out globally, ranking in the top 10% of sustainable banks worldwide and 4th in the -14
Slide 9: A history of learning and innovation, with sustainable growth
A history of learning and innovation, with sustainable growth Savings and Loans Regional Financial Latin Corporation Mortgage Bank Universal Bank Regional Bank Platform Global Dec. 20255 Nov. 2023 Mar. 2024 Holding Share Issuance Davivienda US$189M Internacional Oct. 2025 2024 13.2% 2021 2025 2015 1
Slide 10: A diversified loan portfolio focused on strategic segments and products
A diversified loan portfolio focused on strategic segments and products Gross Loans1 Loan Mix (%) 17.4% Y/Y 28.9% 64.9%2 Y/Y Y/Y 14.1% -8.0% Y/Y Y/Y 12.2% 11.2% Y/Y Y/Y Commercial Loans3 Consumer Loans Mortage Loans 7.5% 3.5% 4.9% 3.0% 10.7% $20.6 $10.6 $14.3 1. Consolidated Gross Loans in USD Billi
Slide 11: Stable and Diversified Funding Sources
Stable and Diversified Funding Sources USD Billion Demand deposits Term deposits $51.0 Credits Bonds Loans to Deposits 130.7% 128.9% 122.3% 120.2% 120.8% 110.2% 106.7% 104.8% Loans to Funding Sources 97.2% 95.9% 93.4% 91.4% 92.6% 89.1% 88.8% 89.1% International Issuances Portfolio Securitization2 Is
Slide 12: With a clear progress in the Digital Transformation of our Bank
With a clear progress in the Digital Transformation of our Bank… Digital Products Portfolio2 Transactions by Channel (USD Billion) (% of monetary transactions) 13% 66% Q/Q Y/Y 1 Digital Clients 3% 17% Q/Q Y/Y 94.0% 10% 27% Q/Q Y/Y Transactions by Channel (% of monetary transactions) Digital Clients1
Slide 13: DaviPlata, a Neobank for Everyone
DaviPlata, a Neobank for Everyone Wallet Payment methods Financial Offering P2P Digital Debit Card (NFC) Saving: Digital Pockets Mobile top-up Digital Credit Card (NFC) Credit: Nanocredits, Remittances Apple Pay / Google Pay Payroll Advance and Credit ● Young Adults Pay bills QR & POS Transactions Ca
Slide 14: DaviPlata - supporting customer acquisition, low-cost funding and income generation
DaviPlata - supporting customer acquisition, low-cost funding and income generation… Customers and Deposits Credits1 (USD Million) Innovation 19% Re-launched as a full neobank, Y/Y 203% enhancing our financial offering Y/Y and accelerating portfolio 901% growth. Y/Y 5% Y/Y Everyday Engagement Always-
Slide 15: DaviPlata
DaviPlata Cross-Selling Results CAC DaviPlata / Davivienda (12 Months) 11% 37% Q/Q Y/Y 10% 21% Q/Q Y/Y 11% 18% 8% 21% Q/Q Y/Y Q/Q Y/Y 1 Active Users Customer Satisfaction (30 Days) 2.6pp 0.3pp Q/Q Y/Y 2.6 pp 0.2 pp Q/Q Y/Y 1. CAC in USD estimated with the average exchange rate. 15
Slide 16: Wealth Management
Wealth Management AUM Evolution USD $13.5 Billion in AUM CAGR: Trust Business (USD Billion) 406 thousand customers 5.31% USD $8.4 Billion in AUM Brokerage Business 107 thousand customers Funds and Portfolios Assets Under Custody Trust Funds Investment Funds & Securities Brokerage & Voluntary Pension
Slide 17: Credit Risk Management - PDL & Coverage
Credit Risk Management - PDL & Coverage Total PDL & Coverage1 Coverage + Collaterals3 2 3 PDL by Segment Coverage1 1. Coverage: Loan Loss Reserves / Loans > 90 days. 2. Total >120: (Mortgage > 120 days + Commercial > 90 days + Consumer > 90 days) / Gross Loans. 3. Coverage + Collaterals = (Loan Loss
Slide 18: Balance Sheet - Capital Structure
Balance Sheet - Capital Structure Capital Adequacy Ratios CET1 7.0% 1 Equity & RWAs2 Leverage Ratio 4Q25 Q/Q Y/Y Accounting Equity 5.0 13.0% 16.6% Common Equity Tier 1 4.5 14.5% 20.4% Additional Tier 1 0.5 -5.8% -14.8% Total Technical Capital 6.3 7.1% 17.5% RWAs 39.1 16.2% 13.4% Credit Risk 34.9 18.
Slide 19: Key Financial Ratios
Managerial Ratios Excluding BNS Transaction* Key Financial Ratios Margins & Cost of Risk Other Income Ratios 20.2%* 5.74%* 2.25%* Efficiency Ratios ROAA & ROAE 54.8%* 8.98%* 0.78%* 3.41%* Cost-to-Income 12 M Cost-to-Assets NIM = Net Interest Income (12 months) / Average Earning Assets (5 quarters) No
Slide 20: A Leading Banking Institution in Colombia
A Leading Banking Institution in Colombia Customers¹ +23.8M Branches 488 ATMs 2.2k Employees + 10k December Market Y/Y Ranking USD Billion 2025 Share Assets $ 40.8 6.3% 2 13.2% Gross Loans $ 31.1 10.3% 2 15.4%² Commercial $ 14.8 13.0% 3 13.6% Consumer $ 6.5 2.8% 3 11.4% Mortgage $ 9.9 11.4% 1 25.9%²
Slide 21: Our Operations in Central America
Our Operations in Central America Honduras Total Central America¹ USD Million Dec. 25 Y/Y Assets 20,309 69.1% El Salvador Gross Loans 13,579 64.9% Customers +2.2 M Costa Rica Commercial 5,375 32.0% Branches 167 Consumer 4,063 63.6% ATMs 779 Panama Mortgage 4,142 146.6% Employees +6.6 K Deposits 14,8
Slide 22: Board of Directors and its Supporting Committees
Board of Directors and its Supporting Committees BoD Members Audit Committee Supports BoD in supervising effectiveness of internal controls. Composed of three directors, two are independents members of the BoD. Reviews financial audited statements prior submission to the BoD. Corporate Governance & S
Slide 23: Experienced Management Team
Experienced Management Team Javier Suárez Chief Executive Officer ● Civil Engineer from Universidad de los Andes, with a Masterʼs degree in Finance and a Masterʼs degree in Actuarial Sciences from Georgia State University. ● Over 31 years of experience in the financial industry. Ricardo León Pedro Ur
Slide 24: Appendix
said % Appendix
Slide 25: Macroeconomic Fundamentals Colombia
Macroeconomic Fundamentals Colombia Annual Gross Domestic Product (GDP) (Y/Y) Monetary Policy Rate, Inflation and Funding Rate Dec. 24 Sep. 25 Dec. 25 360 Days CDs 9.76% 9.40% 10.0% MPR 9.50% 9.25% 9.25% Dec. 24 Dec. 25 10.8% 7.3% Annual Inflation 5.20% 5.18% 5.10% Sep. 25 2.6% 3.2% 2.6% 0.8% 1.5% -
Slide 26: Financial System Colombia
Financial System Colombia Loan Portfolio Interest Rates on Loans (Annual Growth) (4-week moving average) Apr. 23 47.1% Dec. 24 Sep. 25 Dec. 25 Dec. 24 Sep. 25 Dec. 25 Mortgage 11.2%* 11.0% 26.4% 9.4% Total 7.2%* 29.1% 25.0% Consumer 6.6%* Cap Rate1 25.0%* 6.1% Commercial 5.8%* Consumer 19.2%* 3.3% 1
Slide 27: Macroeconomic Fundamentals CAM
Macroeconomic Fundamentals CAM Quarterly Gross Domestic Product (Y/Y) Annual Inflation (Y/Y) Jun. 25 Sep. 25 Dec. 25 Dec. 24 Sep. 25 Dec. 25 10.8% El Salvador 5.1%* Honduras Costa Rica 4.2% 5.0%* 4.6%** 2.0% El Salvador 4.8% Panama 0.9%* 0.4% Panama 1.8% 3.9%* Honduras 0.2% 0.4%* 1.8% 3.4%* Costa Ri
Slide 28: Consolidated Balance Sheet
Consolidated Balance Sheet USD Million 4Q24 3Q25 4Q25 $ Q/Q Q/Q $ Y/Y Y/Y ASSETS Cash and Interbank Funds 4,779 4,765 6,635 1,870 39.2% 1,856 38.8% Investments 5,778 6,039 6,072 33 0.5% 295 5.1% Gross Loans 38,716 38,492 45,458 6,967 18.1% 6,743 17.4% Commercial 18,401 18,003 20,650 2,647 14.7% 2,24
Slide 29: Consolidated P&L
Consolidated P&L Quarter Accumulated USD Million 4Q24 3Q25 4Q25 $ Q/Q Q/Q $ Y/Y Y/Y Dec 2024 Dec 2025 $Y/Y Y/Y Total Income 1,181 1,203 1,166 - 37 -3.0% - 15 -1.3% 4,959 4,781 - 179 -3.6% Loans 1,054 1,036 1,067 31 3.0% 13 1.2% 4,397 4,237 - 159 -3.6% Investment 94 137 66 - 71 -51.9% - 28 -30.0% 434
Slide 30: Investor Relations
Investor Relations ir.davivienda.com ir@davivienda.com + 57 (601) 220 3495 Bogota - Colombia