Banco De Bogota Sa · BVC:BOGOTA
Banco De Bogota Sa — Investor Presentation (September 2022)
13 slides from Banco De Bogota Sa's investor presentation, September 2022
Slide 1: Corporate Presentation
TÍTULO Corporate Presentation The Issuers Recognition-IR granted by the Colombian Securities Exchange is not a certification about the quality of the securities listed at BVC nor the solvency of the issuer
Slide 2: Business overview
Business overview Ownership ✓ Founded in 1870, Banco de Bogotá is Colombia’s oldest financial institution and the principal subsidiary of Grupo Aval, the leading financial group in Colombia 68.9% 11.8% 8.3% 11.0% ✓ Universal bank with a strong presence in the commercial and consumer lending segments
Slide 3: Corporate Structure Reflects Business Diversification
Corporate Structure Reflects Business Diversification Universal Bank with a wide portfolio of products and services. Presence across Colombia. Agencies in Miami, New York and Panama.(1) Aval Soluciones Subsidiaries in Digitales S.A. Colombia 94.99% 94.93% 94.90% 38.90% Bogotá Finance Ficentro Foreig
Slide 4: Our Corporate Strategy Supports Long-term Goals
Our Corporate Strategy Supports Long-term Goals Customer We ensure positive and Sustainable Growth memorable experiences to our We expand our business in a profitable customers in order to achieve manner focusing on capturing new their loyalty and referral, through clients and on the integral manage
Slide 5: Highlights of Our Corporate Strategy in 2021
Highlights of Our Corporate Strategy in 2021 • New Experience Management Center • Adjustment of our analytical and fraud prevention models in order to enhance credit • Optimization of customers’ onboarding origination processes. reducing process time from 40 to 3 minutes • Completed 51 digital branc
Slide 6: Sustainable Growth Leads To Strong Financial Results
Sustainable Growth Leads To Strong Financial Results Figures in million USD Gross Loan Portfolio (1) Deposits 3Q-22 Consolidated Figures and Ratios 3Q-22 Balance: $20,092 3Q-22 Balance: $18,208 Total Assets: $29,221 NIM: 4.5% 11.7% 0.3% 0.5% 35.3% Total Liabilities: $25,661 Cost to Income: 49.4% 22.
Slide 7: Digital Transformation
Digital Transformation Sales Channel Transformation Service Channel Transformation Cumulative Total Digital Sales (k) 1 Active Digital Retail Clients (k) 1,515 1,594 ∆ CAGR 21.9% 884 8.1 out of 10 1,421 1,748 2,110 Outstanding Products sold in consumer ratings in our Colombia banking App are digital
Slide 8: Risk Control at the Core of our Operations
Risk Control at the Core of our Operations Asset Quality Cost or Risk Coverage 4.6% 1.67x 4.6% 1.8% 1.63x 1.7% 3.5% 1.3% 1.4% 1.27x 3.4% 1.21x 2Q-22 3Q-22 2Q-22 3Q-22 2Q-22 3Q-22 Gross Loan Provision / Average Loans Allowances / 30 day PDLs 30 day PDLs 90 days PDLs Net Loan Provision / Average Loans
Slide 9: International and Local Risk Ratings Reflect our Creditworthiness
International and Local Risk Ratings Reflect our Creditworthiness International rating Moody’s Investor Services Fitch Ratings Baa2 “The bank's BCA reflects its strong and resilient earnings BB+ “The bank’s ratings also reflect its consistent financial Stable generation and its steady access to low-
Slide 10: ESG Strategy is Key to Increase Positive Impact
ESG Strategy is Key to Increase Positive Impact We are committed to managing our activities in a responsible and innovative manner, striving to improve the quality of people’s lives, contributing to the economic prosperity of society and to the mitigation and reduction of our negative impact on the
Slide 11: International Recognitions and Awards
International Recognitions and Awards International magazines have highlighted our role in economic recovery and our leadership in resuming the path towards growth. On the digital front, they have underscored our strategy to attract and serve customers, the variety and ease of access to our on-line
Slide 12: Appendix: 3Q-2022 Performance Overview
Appendix: 3Q-2022 Performance Overview Attributable Net Income for 3Q-2022 was USD $95 million leading to an annualized 10.9% ROAE. 1.3%(1) 10.9%(1) • Net Interest Income amounted to $1.2 trillion pesos ROAA ROAE growing 6.9% when excluding FX. Net Interest Margin 4.5% • Total NIM was 14 bps higher
Slide 13: Contact Information
www.bancodebogota.com Contact Information Germán Salazar Castro – Executive Vice-President Javier Dorich Doig – FP&A, Corporate Development and IR Head investor.relations@bancodebogota.com.co
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