Grupo De Inversiones Suramericana S.a. · BVC:GRUPOSURA
Grupo De Inversiones Suramericana — Grupo SURA — Investor Day (October 2025)
23 slides from Grupo De Inversiones Suramericana's investor day presentation, October 2025
Slide 1: Grupo SURA
Grupo SURA Relevant Financial Group, A in Latin «| gabe V Co |
Slide 2: Disclaimer
laimer GRUPO sura WW This document may contain forward-looking statements telated to Grupo SURA and its subsidiaries, which have been made under assumptions and estimates by the Companies' management and may vary. For better illustration and decision-making, the figures are administrative and not ac
Slide 3: Opening
Opening Ol 2. O r N 3/0 __| GRUPO sura > Vision Of Grupo SURA and our businesses Profitable growth Of the business Empowering the financial group from adjacencies
Slide 4: Vision of Grupo SURA and our businesses
GRUPO sura > 01 Vision Of Grupo SURA and our businesses
Slide 5: New strategic chapter: focusing to enhance our core business
GRUPO ~ new strategic chapter begins under the same legacy and way of doing sura business: focusing to enhance our core business ° \W Regional a ; financial High quality businesses ecosystem Financial Group Long-term value generation Sustainable business practices
Slide 6: Regional financial ecosystem
7 4 new strategic chapter begins under the same legacy and way of doing cunt business: focusing to enhance our core business Financial Group Regional financial ecosystem sura \W Comprehensive regional platform: ° Asset & Wealth Management * Life inssurance, P&C, Health * Banking
Slide 7: High-quality businesses
p new strategic chapter begins under the same legacy and way of doing business: focusing to enhance our core business Financial Group High-quality businesses Leading, resilient, and innovative companies. Trusted brands with a strong reputation. Scale and competitive advantages. Customer-centric mode
Slide 8: Long-term value generation
Sp new strategic chapter begins under the same legacy and way of doing sura business: focusing to enhance our core business Financial Group Long - term value generation GRUPO \W Focus on creating value for shareholders (TSR). Presence in industries with high potential. Profitable growth and discipli
Slide 9: New strategic chapter: sustainable business practices
p new strategic chapter begins under the same legacy and way of doing sura business: focusing to enhance our core business Financial Group GRUPO \W Diversification that mitigates risks and enhances opportunities. Strong talent and organizational culture. High standards of corporate governance. Commi
Slide 10: A financial group that evolves with our +76 million customers
A financial group that evolves with our +76 million customers 10 countries in Latin America sura = ASSET MANAGEMENT +62 Mil Employees GRUPO sura S suramericanda F COP 29.2 tn? Revenues Grupo Cibest CoP 781 tn 24mm Customers 93.3% stake 1 Figures for the last 12 months to Q2 2025 CoP 20 tn? Premiums
Slide 11: Strategic diversification driving stability and growth
_/ Strategic diversification driving stability and growth @& Colombia 56% Others 44% Capital invested by region Regional footprint Balanced capital allocation between Colombia and the main Latin American markets. Figures for the last 12 months to Q2 2025 Grupo Cibest SURA Asset Management Suramerica
Slide 12: Capital focused on leading operations and scale
_/ Capital focused on leading operations and scale 89% of our invested capital is in companies that are among the TOP 3 in their respective markets Figures calculated based on tangible capital invested in businesses ranked among the top three in the countries where we operate. 91% top 3 Nw sura = AS
Slide 13: SURA, a leading brand trusted by millions of Latin Americans
7 SURA, a leading brand trusted by Sura millions of Latin Americans 86 Lb) reputation score for SURA in Latin America Quality of products and services Leadership Employer brand Strength Corporate governance and business ethics EXCELLENT Social and environmental performance Bad Low Regular Good Excel
Slide 14: A region with significant growth potential in financial services
GRUPO A region with significant growth potential in financial services, driven by its low Sura levels of penetration and technology adoption 2 \W Pension Funds Insurance Banking & Asset Management Premiums/GDP Private sector credit /GDP AUM/GDP 150% 68% 6.80% 3.10% 23% 51% Latin America World Latin
Slide 15: SURA = Profitable business growth
Sura = 99 Profitable business growth
Slide 16: Consistent results that highlight competitive strengths and growth opportunities
Consistent results that highlight competitive strengths cruPo Iw and growth opportunities surd > Operating income from financial businesses Contribucién a la utilidad neta de (COP tn) operaciones financieras? (COP tn) CAGR: CAGR: 9% 15% 29.2 34 i | ; : L L | 4 a fo} a ° ist fe} a 2020 | 2019 2021 20
Slide 17: Compound annual growth in net earnings per share stands at 16%
Compound annual growth in net earnings per share cruPo stands at 16% over the last five years Operating profit from financial operations 1 (COP tn) CAGR: 11% l 2.6 o ° qd a 2 xy 3 $ 8 8 $ § q a a a a a coos. a P “i CAGRbetween 2019 and 2@ 2025 last twelve months. Recurring net income per share? (COP
Slide 18: Dividends received have increased eightfold over the past 14 years
_, GRUPO Dividends received have increased eightfold over the past 14 years sura Dividends received (COP trillion) 2.2 2.0 ~Bk g% 18 R 1 he CAG 10 1.0 1.0 11 : 0.9 08 0.8 06 0.7 0.4 0.5 0.3 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025E The dividends received from our in
Slide 19: Strengthening the financial group from adjacencies
GRUPO sura > > Strengthening el grupo financiero desde las adyacencias the financial group from adjacencies
Slide 20: Strategic convergence between banking, savings and investment, and insurance
Strategic convergence between banking, savings and investment, and insurance to generate comprehensive, digital, customer-centric solutions Z Life Health Property and Casualty Bancassurance * Intermediation * Neobank * CIB Life annuities Mandates Savings + life Banking GRUPO sura \W * Savings and -
Slide 21: Strategic convergence to generate comprehensive, digital, customer-centric solutions
Strategic convergence between banking, savings and investment, and insurance ei ad to generate comprehensive, digital, customer-centric solutions WW Life annuities Mandates _ Savings + life Insurance COP 30.7 tn Savings Long-term insurance reserves and investment Bancassurance Alliance Premiums COP
Slide 22: Strengthen operations, enhance financial group, return to shareholders
STRENGTHEN ENHANCE FINANCIAL GROUP RETURN TO OPERATIONS e SHAREHOLDERS Continue strengthening Put the customer at the Profitable growth, closing the value creation in each center and capitalize on value gap, and a competitive business. growth opportunities. dividend policy. As a Group, we identify o
Slide 23: Ambitions 2028
4, Ambitions 2028 Net income cop 2.Oin ~3.3in NIPS (COP) 6,000 ~10,000 Adjusted ~ ae 11.7% 15% Net debt cop 7.1lin <cop Sin Net debt / dividends 3.2x ~2x Dividend cop 1,500 ~cop3,000 per share (COP) 2028 ambitions estimated based on organic growth without extraordinary events. GRUPO sura Focus Grow