Banco Davivienda SA · BVC:PFDAVVNDA
Banco Davivienda SA — Investor Presentation (August 2025)
32 slides from Banco Davivienda SA's investor presentation, August 2025
Slide 1: Banco Davivienda Corporate Presentation 2Q25
Banco Davivienda Corporate Presentation 2Q25
Slide 2: Disclaimer and forward-looking statements
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 13 2 Grupo Bolívar 5 8 Wealth Management 17 3 Ownership Structure 6 9 Credit Risk Management 18 4 Sustainable Management 7 10 Capital Structure 20 5 History 9 11 Key Ratios 21 6 Loan Portfolio and Funding Sources 10 12 Col
Slide 4: Banco Davivienda at a Glance
Banco Davivienda at a Glance Loans: $14.4 Bn Loans: $13.0 Bn Main Figures Customers: 10 M Customers: 440 k USD Billion Y/Y 2 Assets $ 46.6 3.4% 2 Gross Loans $ 35.7 3.9% Deposits $ 34.1 8.1% Equity $ 4.0 6.0% Net Profit1 $ 172.7 N.A. Deposits: $278.9 M Loans: $8.2 Bn Customers: 18.7 M Customers: 1.9
Slide 5: Our Main Shareholder: Grupo Bolívar
Our Main Shareholder: Grupo Bolívar Among the most important conglomerates in Colombia with over 80 years of experience. Consolidated figures USA (Miami) Assets USD 53.0 billion Honduras Equity USD 4.8 billion El Salvador Customers +30 million Employees +26 k Costa Rica Colombia Countries 6 Panamá Fi
Slide 6: Ownership Structure
Ownership Structure Inversiones Meggido Other 1.1% 12.0% Inversiones Foreign investors Cusezar Common shares 11.9% 4.0% 371,069,401 Retail 76.1% 74.9% Other companies 1.5% 4.0% Inversiones Meggido 9.2% Inversiones Meggido 0.1% Inversiones 6.1% Total shares Retail Inversiones Cusezar Cusezar 487,670,
Slide 7: Our Sustainable Management
Our Sustainable Management GREEN INCLUSIVE THE WORLD IS OUR HOME LET’S MAKE IT MORE Our Material Issues ● Prosperity ● Well-being ● Natural Capital PROSPEROUS ● Economic Capital ● Inclusion ● Trust ● Service Ratings Reporting Volunteer reporting Memberships 7
Slide 8: Advancing in our quest of making the world a more prosperous, inclusive and green place
Advancing in our quest of making the world a more prosperous, inclusive and green place Sustainable Loan Portfolio1 With our sustainable finances, we contribute to progress and (USD Billion) competitiveness We are actively driving the transition to a low-carbon, resilient economy. 7% 45% Q/Q Y/Y 11%
Slide 9: Milestones of Sustainable Growth
Milestones of Sustainable Growth Proven Track Record of Organic and Inorganic Growth Savings and Loans The Local Bank A Regional Banking Platform Creating Ecosystems Latin Global 5 Nov. 2023 Mar. 2024 Holding Share Issuance Davivienda US$177M 2Q25 Internacional 13.1% Oct. 2024 2021 2Q25 CF4 2015 14.
Slide 10: A Diversified Loan Portfolio
A Diversified Loan Portfolio¹ USD Billion 2004 2Q25 Y/Y Commercial 6.2% Consumer -5.5% $1.3 $35.7 Mortgage 8.6% Total 3.9% Y/Y Colombia COP 4.3% $1.3 $35.7 International USD 2 2.2% Colombia USD 5.8% 1. Consolidated Gross Loans 2. Growth in USD Figures in USD Billion Exchange Rate as of June 2025: COP
Slide 11: A Portfolio Focused on Strategic Segments and Products
A Portfolio Focused on Strategic Segments and Products USD Billion 2% Mortgage Loans 2.6% Consumer Loans 7.6% Unsecured Personal Loans Leasing Payroll Low Income Housing $10.5 $8.2 Credit Cards Vehicle Residential Revolving Loans Commercial Loans1 FINANCIAL, INSURANCE AND INVESTMENT $17.0 CONSTRUCTI
Slide 12: Stable and Diversified Funding Sources
Stable and Diversified Funding Sources USD Billion Demand deposits Term deposits $40.1 Credits Bonds Loans to Deposits 130.7% 128.9% 122.3% 120.2% 120.8% 110.2% 106.7% 104.7% Loans to Funding Sources 97.2% 95.9% 93.4% 91.4% 92.6% 89.1% 88.8% 88.9% International Issuances Portfolio Securitization2 (US
Slide 13: 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) 16% 73% Q/Q Y/Y 1 Digital Clients 6% 11% Q/Q Y/Y 93.6% 7% 23% Q/Q Y/Y Transactions by Channel (% of monetary transactions) Digital Clients1
Slide 14: DaviPlata, a Neobank for Everyone
DaviPlata, a Neobank for Everyone Wallet Payment method Financial Offering Entrepreneurships, P2P Digital Debit Card Loans - Popular Economy Informal Mobile top-up PSE Savings Businesses, and Remittances QR Insurance Micro Businesses Send money to any account POS Pay bills Your option to solve your f
Slide 15: DaviPlata, supporting customer acquisition, low-cost funding and income generation
DaviPlata, supporting customer acquisition, low-cost funding and income generation… Clients, Deposits and Credits Income 90% 125% (USD Million) 6% Q/Q Y/Y Y/Y 16% 8% 5% 18% Q/Q Y/Y Q/Q Y/Y 1% 5% Q/Q Y/Y 1H24 2H24 Total Clients (M) Deposits1 (USD M) Portfolio2 (USD M) Transactional Funding Loan Subsi
Slide 16: DaviPlata - Additional Information
DaviPlata - Additional Information CAC Cross-Selling Results (12 Months) DaviPlata / Davivienda 9.3% 12.5% Q/Q Y/Y 1% 33% Q/Q Y/Y 0.4% -1.8% 1% 24% Q/Q Y/Y Q/Q Y/Y 1 Active Users Customer Satisfaction (30 Days) 120pp -100pp -200pp Y/Y Q/Q Y/Y 1. CAC in USD estimated with the average exchange rate. 1
Slide 17: Wealth Management
Wealth Management AUM Evolution (USD Billion) CAGR: USD $11.9 Billion in AUM 4.7% Trust Business 393.3 thousand customers USD $7.2 Billion in AUM Brokerage Business 108 thousand customers Funds and Portfolios Assets Under Custody Trust Funds Investment Funds & Securities Brokerage & Voluntary Pensio
Slide 18: 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 R
Slide 19: Credit Risk Management - Provision Expenses and Loans by Stages
Credit Risk Management - Provision Expenses and Loans by Stages CoR1 & Provision Expenses2 2Q25 Accumulated $ Q/Q $ Y/Y Provision Expenses 234 13.6% 440 -43.0% Accumulated Loans by Stages Coverage by Stages The average rate COP/USD appreciated 0.1% Q/Q and 6.9% Y/Y 1. Cost of Risk = Provision Expens
Slide 20: Balance Sheet - Capital Structure
Balance Sheet - Capital Structure Capital Adequacy Ratios 1 Equity & RWAs2 Leverage Ratio 2Q25 Q/Q Y/Y Accounting Equity 4.0 1.6% 6.0% Common Equity Tier 1 3.6 1.5% 8.0% Additional Tier 1 0.5 -4.5% -1.8% Total Technical Capital 4.9 -0.7% 4.1% RWAs 31.4 -0.4% -4.0% Credit Risk 27.6 1.2% 0.9% Market R
Slide 21: Key Financial Ratios
Key Financial Ratios Margins & Cost of Risk Other Income Ratios Efficiency Ratios ROAA & ROAE Cost-to-Income 12 M Cost-to-Assets NIM = Net Interest Income (12 months) / Average Earning Assets (5 quarters) Non Financial Income Ratio (12 months)= Non Financial Income / (Gross Financial Margin + Non Fina
Slide 22: A Leading Banking Institution in Colombia
A Leading Banking Institution in Colombia Customers¹ +23.4M Branches 490 ATMs 2.2k Banking Correspondents 40.3k Employees ~ 11k Market June 2025 Y/Y Ranking USD Billion Share Assets $ 35.7 3.5% 2 13.1% Gross Loans $ 26.6 4.9% 2 14.9%² Commercial $ 12.5 9.7% 3 12.9% Consumer $ 5.6 -8.4% 3 11.4% Mortg
Slide 23: Our Operations in Central America
Our Operations in Central America Honduras Total Central America¹ USD Million Jun. 25 Y/Y Assets 12,128 5.1% El Salvador Gross Loans 8,237 4.2% Customers 1.9 M Costa Rica Commercial 3,963 0.2% Branches 139 Consumer 2,477 5.0% ATMs 576 Panama Mortgage 1,797 12.8% Employees +4.3 K Deposits 8,471 6.4%
Slide 24: Board of Directors and its Supporting Committees
Board of Directors and its Supporting Committees Audit Committee BoD Members2 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 &
Slide 25: 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 26: Appendix
Appendix B DNAVIVIENDN
Slide 27: Macroeconomic Fundamentals Colombia
Macroeconomic Fundamentals Colombia Economic Activity Index (Y/Y) Monetary Policy Rate, Inflation and Funding Rate Quarterly Average Jun. 24 Mar. 25 Jun. 25 360 Days CDs 10.64% 9.92% 9.53% Mar. 25 MPR 11.75% 9.50% 9.25% Jun. 24 Jun. 25 Annual Inflation 7.18% 5.09% 4.82% 1.9% 2.4% 2.0%* 1.8% 0.5% 1.8
Slide 28: Financial System Colombia
Financial System Colombia Loan Portfolio Interest Rates on Loans Apr. 23 (Annual Growth) Jun. 24 Jun. 25 (4-week moving average) 47.1% Jun. 24 Jun. 25 29.1% Cap Rate1 25.6%* 11.0% Mortgage 9.9%* 17.2% Consumer 19.1%* 9.4% 13.2% Total 14.9%* Commercial 5.2%* 6.1% Total 4.8%* 10.6% Commercial 12.2%* 8
Slide 29: Macroeconomic Fundamentals CAM
Macroeconomic Fundamentals CAM Quarterly Gross Domestic Product (Y/Y) Annual Inflation (Y/Y) 10.6% Jun. 24 Jun. 25 Honduras Honduras 4.7%* 5.3%* Costa Rica Panamá 4.2% -0.2%* 4.2% 5.2%* 2.0% El Salvador Costa Rica 0.4% -0.2%* 3.3% Panama 4.0%* 0.2% 1.8% El Salvador -0.4%* 2.3%* Dec-22 Mar-23 Jun-23
Slide 30: Consolidated Balance Sheet
Consolidated Balance Sheet USD Million 2Q24 1Q25 2Q25 $ Q/Q Q/Q $ Y/Y Y/Y ASSETS Cash and Interbank Funds 4,016 4,405 3,958 - 446 -10.1% - 58 -1.4% Investments 5,235 5,799 5,676 - 123 -2.1% 441 8.4% Gross Loans 34,310 35,282 35,651 369 1.0% 1,341 3.9% Commercial 15,981 16,722 16,968 246 1.5% 988 6.2
Slide 31: Consolidated P&L
Consolidated P&L Quarter Accumulated USD Million 2Q24 1Q25 2Q25 $ Q/Q Q/Q $ Y/Y Y/Y 2Q24 2Q25 $Y/Y Y/Y Total Income 1,210 1,165 1,164 -1 -0.1% - 46 -3.8% 2,469 2,329 - 139 -5.6% Loans 1,080 1,036 1,026 - 10 -0.9% - 54 -5.0% 2,200 2,062 - 139 -6.3% Investment 101 105 117 12 11.1% 16 15.5% 203 222 19
Slide 32: Investor Relations
Investor Relations ir.davivienda.com ir@davivienda.com + 57 (601) 220 3495 Bogota - Colombia
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