24 slides from Banco Bilbao Vizcaya Argentaria Colombia Sa Class B's earnings presentation, 2023
Slide 1: BBVA Colombia
BBVA Colombia The IR Recognition granted by Bolsa de Valores de Colombia S.A. (the Colombian Stock Exchange) is not a certification of the registered securities or the solvency of the issuer
Slide 2: Index
Index 01 BBVA Colombia 02 Sustainability 03 Results 4Q22 04 Business activity 05 Annex
Slide 3: BBVA Colombia
iting Opportunities QO] BBVA Colombia
Slide 4: BBVA History in Colombia and Shareholder's Composition
BBVA HISTORY IN COLOMBIA 1956 Banco Ganadero Popular was set up 2001 BBVA increased the ownership to 95.2% of the shares 1986 El Banco Ganadero debuted on Colombia’s stock 2004 BBVA changed the name to BBVA Colombia exchange 2006 BBVA Colombia merged with banco Granahorrar 1992 El Banco Ganadero bec
Slide 5: BBVA Presence and Financial Indicators
BBVA PRESENCE FINANCIAL INDICATORS DECEMBER 2022 DECEMBER 2022 San Andrés y Providencia ACTIVITY 71.148 M 69.145 M GROSS LOAN CUSTOMER PORTFOLIO DEPOSITS OUR PURPOSE RISK MANAGEMENT “Bring the age 2.27% 1.50% 226.37%% NPL RATIO COST OF COVERAGE Branch of opportunity RISK RATIO Cities Offices Employe
Slide 6: Our Strategic Priorities and Values
OUR STRATEGIC PRIORITIES Improving our clients’ financial health Helping our clients transition towards a sustainable future Reaching more clients Driving operational excellence The best and most engaged team Data and technology OUR VALUES Customer comes first We think big We are one team
Slide 7: Digital Transformation Driving Our Commitment With Our Clients
5 DIGITAL TRANSFORMATION DRIVING OUR COMPROMISE WITH OUR CLIENTS MILLIONS, % GROWTH MILLIONS, % GROWTH % OF TOTAL SALES YTD % % 78% 75% 76% 78% 4Q21 4Q22 4Q21 4Q22 Digital sales: % of sales done through digital channels and ATM over total sales. PRV: Product Relative value for the Retail Segment, us
Slide 8: Social Responsibility Main Focuses
SOCIAL RESPONSABILITY 3 MAIN FOCUSES 1 Reduce inequalities and promote entrepreneurship 2 Create opportunities for all through education 3 Support research and culture
Slide 9: Sustainability
iting Opportunities Q2 Sustainability
Slide 10: Sustainability as a Strategic Priority
SUSTAINABILITY AS A STRATEGIC PRIORITY Energetic efficiency Sustainable mobility BBVA Colombia offers financing products such BBVA Colombia offers financing products such as green leasing, short-term and long-term Have an impact directly, through the as green leasing, short-term and long-term loans
Slide 11: Advancing in Our Commitment to Sustainability
6 ADVANCING IN OUR COMMITMENT TO SUSTAINABILITY COP COP 1,4 Tlln Sustainable mobility 408 Blln Energetic efficiency 399 Blln Renewable energy 254 Blln Circular economy 308 Blln 367 Blln BCORP 113 Blln 2020 2021 2022 BCORP B corporations, certified as a balanced business . Businesses which are in com
Slide 12: Results 4Q22
iting Opportunities Q3 Results 4Q22
Slide 13: Strong Revenue Growth
8 STRONG REVENUE GROWTH NET INTEREST INCOME +9,7% VS 4Q21 NET PROVISIONS +26% VS 4Q21 BILLION COP BILLION COP OPERATIONAL COSTS +21% VS 4Q21 NET INCOME +15% VS 4Q21 BILLION COP BILLION COP
Slide 14: BBVA Colombia's Write-offs Policies Are Stricter Than the Sector
10 BBVA COLOMBIA’S WRITE-OFFS POLICIES ARE STRICTER THAN THE SECTOR NPL RATIO (%)* NPL + WRITE-OFF (%) TAM Sector -147 bps BBVA -88 bps MORTGAGE COMMERCIAL CONSUME *NPL: commercial portfolio greater than 90 days, consumer greater than 60 days and mortgage greater than 120 days Source: SFC
Slide 15: Business Activity
iting Opportunities O4 Business Activity
Slide 16: Focus on Strong Returns on Capital: Market Shares
16 FOCUS ON STRONG RETURNS ON CAPITAL MARKET SHARES Loan Portfolio Deposits $69,2 Market Share 10.54% TAM +29 bps 4 $69,2 Market 11.31% Share TAM +42 bps 4 Trillion Trillion 3 Individuals* Commercial Saving Accounts 3 4 Market Share Market Share Market Share 4 12.99% 8.40% 10.18% TAM -16 bps Current
Slide 17: Loan Portfolio
17 Note: Portfolio includes Leasing. Commercial includes microcredit Portfolio average maturity 3 years – December 2022
Slide 18: Solid Capital Position
18 SOLID CAPITAL POSITION Billion COP EVOLUTION OF THE CAPITAL RATIO % Above the Minimum Regulatory Level Separate figures
Slide 19: Outstanding Delivery on Shareholder Value Creation
OUTSTANDING DELIVERY ON SHAREHOLDER VALUE CREATION 15 SHAREHOLDER REMUNERATION PROFITABILITY RATES BILLION COP (%) 15,5% 15,5% 26.00 % ROE 24.00 % 22.59% 22.00 % 20.0 0% 17.11% Jun-22 Jun-21 Oct-22 Oct-21 15.76% 18.00 % Cash 16.00 % $31 per share 14. 00% 1.60% 1.54% ROA 12. 00% 1.50% 10.0 0% REMUNER
Slide 20: Contact
20 Contact E-mail: bbvacolombia-ir@bbva.com Investor Relations Team David de Iscar Medina david.iscar@bbva.com Director Gestión Financiera – IR Paula Camila Bolaños Martínez paulacamila.bolanos@bbva.com Profesional IR Bogotá, Colombia. BBVA Colombia S.A. The IR Recognition granted by Bolsa de Valore
Slide 21: Annex
iting Opportunities O06 Natale)
Slide 22: Disclaimer
Presentación Corporativa 22 2022 DISCLAIMER This document is only provided for information purposes and does not constitute, nor must it be interpreted as, an offer to sell or exchange or acquire, or an invitation for offers to buy securities issued by any of the aforementioned companies. Any decisi
Slide 23: Organizational Structure
23 ORGANIZATIONAL STRUCTURE Country Manager BBVA Colombia Client Solutions BBVA Research Networks Management Communication Finance Internal audit Legal Engineering & HOD Talent & Culture Risks Corporate and Investment Banking 23
Slide 24: BBVA Colombia
24 BBVA Colombia Corporate presentation The IR Recognition granted by Bolsa de Valores de Colombia S.A. (the Colombian Stock Exchange) is not a certification of the registered securities or the solvency of the issuer