Grupo De Inversiones Suramericana S.a. · BVC:GRUPOSURA
Grupo De Inversiones Suramericana — Investor Presentation (September 2025)
39 slides from Grupo De Inversiones Suramericana's investor presentation, September 2025
Slide 1: Corporate Presentation
GRUPO surd > Corporate Presentation
Slide 2: Our history and future: simplifying our structure to strengthen our core
_/ to unlock this value, we entered a new strategic OUR HISTORY chapter: simplifying our structure to strengthen our core sura 4 1944/2007 From insurance to Financial Services leadership in Colombia 2007/2016 International expansion ~USD +8.8 billion* Deployed in Financial Services 2017/2023 Enhance
Slide 3: Transformational transactions enabled a focused portfolio and simpler shareholder structure
A Transformational transactions over the past two years have enabled a more cura focused portfolio and a simpler shareholder structure ween eee Portfolio evolution* ------------------------------------------- 21% Insurance Financial Services Non 33% Asset 66% Financials Management 34% 46% Banking “D
Slide 4: Advancing strategic objectives by focusing on financial services
_/ While we advance on our strategic objectives by focusing on financial services and creating value for shareholders GAAREHOLDER © Simpler structure enables value disclosure. They increased their stake in Grupo SURA's capital. They received direct participation in Grupo Argos preserving the economi
Slide 5: High-quality portfolio of leading financial services companies
High-quality portfolio of leading financial services companies Grupo n s surda = —7 Z ° suramericana _¥ 7 Cibest ASSET MANAGEMENT 81.1% 93.3% 46.2% | 24.5% ‘Common shares Total Shares 4th largest insurance group Leader in pension fund Leading bank of Latin American origin with administration and ass
Slide 6: A scalable financial services ecosystem
A scalable financial services ecosystem enables us to meet the needs of our customers Financial Ecosystem * Pension insurance + Wealth * Investment and annuities Management Management * Cor Porate + Pensions Solutions * Commercial Banking _—_— * Asset Management * Property and Casualty * — Investmen
Slide 7: Leveraging business transformation through data, digitalization and customer-centric models
Leveraging business transformation through surg > data, digitalization and customer-centric models Process transformation and digitization of internal processes Customer Ecosystems and digital ° i L centric business mode —— Digital customer experience Leveraging on data for business transformation
Slide 8: Uniquely positioned to drive long-term value through financial services expertise
_/ Weare uniquely positioned to drive long-term value Sura through financial services expertise in Latin America 2 \W 10 countries in Latin America Leading financial services player in Latam With focus on insurance, asset management and universal banking 76.5 million Customers _—_____, Positioned fo
Slide 9: Diversified profit contribution across regions and industries
_/ Diversified profit contribution across regions and industries sura @& Colombia 63% & Chile 12% (*) Mexico 12% @ Other 7% () Peru 6% Profit contribution by country Regional footprint Capital allocation with an important focus on 4 Latin American countries. GRUPO \W Banks 44% Asset Management 31% L
Slide 10: Strong performance over years: revenues and net income up 2x
GRUPO _/ Strong performance over 10 years — revenues Sura and net income up 2x WW Ny Revenues Net Income CAGR: CAGR: : H 10% 5% nor, 11.7% +208, 6,952 i +4.2% 469 * Disciplined capital allocation, portfolio optimization, and profitable growth - all driving value for Grupo SURA and its 2,340 sharehol
Slide 11: Net earnings per share reached USD 1.4 in the last twelve months
_, Net earnings per share reached USD 1.4 in the last twelve months, GRUPO reflecting a compound annual growth of 16.2% since 2019 sura > Net Earnings Per Share (USD) ok 15 1.4 io axio? cae! Net earnings per share last twelve months increased 18.4% 05 compared to 2024. 1.2 2019 2020 2021 2022 2023)
Slide 12: Dividends received have grown 8x in the last 14 years
S 98 65 2011 2012 Available for Figures in USD millions L.CAGR since 2012 2013 2014 2015 2016 Y Investment to leverage potential growth 2017 a7 247 250 186 212 196 143 160 11 ; 2021 2018 2019 2020 Dividends received have grown an &x in the last 14 years 268 2022 v Maintain an attractive dividend pai
Slide 13: Priorities include a comprehensive and disciplined capital management strategy
S/S Our priorities include a comprehensive and disciplined capital management gRurO strategy sua = + Maintain discipline in capital allocation * Continuous regional footprint optimization * To make value visible and reduce the discount of the stock * Portfolio approach with a financial group vision
Slide 14: Share discount remains at 20% to 38% of estimated value
Discount of shares remain in at 20% to 38% to the estimated value GRUPO of calculated in the Spin-Off Project, despite the increase in the share price sura \W Evolution of Grupo SURA's market value USD$Bn Implicit P/BV valuation : 2024->0.5x Stake delivered 20% - 38% ¥ to our shareholders discount 2
Slide 15: Positive TSR in the past year, consistent among peers
_/ GRUPO Positive TSR in the past year, and consistent among peers in the mid term Sura > TSR 1 year TSR 5 years Grupo SURA Ord Grupo SURA Pref Grupo SURA Pref Grupo SURA Ord Cibest Aval Aval Bradesco Credicorp Porto Seguro Porto Seguro Qualitas Banorte Credicorp Banco de Chile Itau Itau Banco de Ch
Slide 16: Attachments
Attachments GRUPO in i oe a | | ‘i |
Slide 17: Suramericana
GRUPO sura > Suramericana
Slide 18: Market leader on insurance industry
, Market leader on insurance industry 3) a e 8 @) years of history since 1944 countries ¢ in Latin 2 million +3x America vs 2012 Customers S 0 % Stake Grupo SURA / Strategic partners (li Munich RE == 18.9% suramericana \W lm \ Amulti-channel, multi-segment and multi-region company * > 1.6 million ve
Slide 19: Written premiums distribution Suramericana
7 Written premiums distribution suramericana S Regional footprint Segment distribution Colombia 65% Chile 14% Mexico 7% Brasil 5% P&C 55% Life 45% Uruguay 3% Panama 3% Other
Slide 20: Milestones to strengthen the ecosystem and maintain competitiveness
Milestones that we seek to achieve in order to strengthen Strategic focus the ecosystem and maintain sustainable competitiveness suramericanagd = 7 IN Human talent that permanently builds the future Management culture from the generation of value (EVA) Distribution Service Operational transformation
Slide 21: ❖ ❖ ❖ ❖ ▪ ❖ ▪ ▪ ▪ ❖ ❖ • • ▪
❖ ❖ ❖ ❖ ▪ ❖ ▪ ▪ ▪ ❖ ❖ • • ▪ • • ▪ • • ▪ ❖ ▪ • • ▪ ▪ ❖ ▪
Slide 22: • • -
450 400 350 300 250 • 200 150 100 • 50 -
Slide 23: SURA AM
GRUPO sura > SURA AM
Slide 24: Leading Latin American asset manager in pension funds and advisory
Leading Latin American asset manager in pension funds, : H : surd = asset management and investment advisory services a ASSET MANAGEMENT « -e) countries in Latin America % Stake Grupo SURA / Strategic partners 21% market share In the pension industry in Latam 2 million Customers (li (“regional diver
Slide 25: Regional and segment diversification
_/ regional and segment diversification sufra S ASSET MANAGEMENT EBITDA AUM DISTRIBUTION DISTRIBUTION Retirement Savings Mexico 40% Chile 32% Colombia 16% Peru 12% SURA Investments 2 Figures as of 2024
Slide 26: Strategy: focus and future of the business
Strategy sura S Focus and future of the business ASSET MANAGEMENT Organic Strategy is the main focus of growth. Levers of g Sustained profitability and superior performance for Ss . every business Ol Clients 02 Chanels Accompany our ]% p 9 Zz clients to build cs 03 Investment O4 financial wellbeing
Slide 27: Retirement and Savings: pension industry
Retirement and Savings Pension industry WORLD 4.7% 20¥ Growth M AU! USP 59 tn LATAM SURA AM COUNTRIES USD 683 bn SURA AM 10% r0v Growth AUM USP 169 bn WORLD 68% AUM / GDP 2024 sura > ASSET MANAGEMENT Contributions 15% 7% México. SUAM vs 23% AUM / GDP 2024 16% 16% 17% 15% 15% 13% 13% 13% Colombia Chi
Slide 28: 1,600 1,400 1,200 1,000 • 0 100 • 200 50 - -
1,600 400 1,400 350 1,200 300 1,000 250 • 800 200 600 150 400 100 • 200 50 - -
Slide 29: Grupo Cibest
GRUPO sura > Grupo Cibest
Slide 30: Leading financial group in Colombia with presence in Central America
Leading financial group in Colombia with a strong presence in Central America © Grupo Cibest 0 ~ (_ 4 ze 0 \ Extensive service reach and leadership in ° (0) transactionality that drives a competitive s digital transactions funding advantage countries in Colombia in Latin America million Customers \
Slide 31: Loan Portfolio Distribution
Loan Portfolio Distribution REGIONAL DISTRIBUTION Colombia 71% Panama 12% Guatemala 7% Salvador 7% @ Grupo Cibest LOANS BREAKDOWN Commercial 65% Consumer 20% Mortagage 15%
Slide 32: 3,300 150,000 130,000 2,800 110,000 2,300 90,000 1,800 70,000 • 1,300 50,000 800 30,000
3,300 150,000 130,000 2,800 110,000 2,300 90,000 1,800 70,000 • 1,300 50,000 800 30,000 • 300 10,000 -200 -10,000
Slide 33: Grupo SURA
GRUPO sura > Grupo SURA
Slide 34: Market leadership in a region poised for sustained financial growth
GRUPO _/ We hold market leadership in a region sura SS poised for sustained financial growth a Insurance Pension Funds and Asset Management Banking Insurance penetration as a % of GDP (Premiums/GDP) Pension funds penetration measured by assets under management Bankingpenetration as a % of GDP (Domes
Slide 35: More than 41,000 shareholders strengthen free-float and liquidity
GRUPO More than 41,000 shareholders are part of Grupo SURA's shareholder sura base, strengthening the free-float and liquidity of the share \W Shareholder composition Common Shares Total Shares Pension and Severance Funds 35% Legal entities and others Legal entities and others 30% Pension and Severa
Slide 36: Cash flow remains robust post-spinoff
Cash flow remains robust post-spinoff, allowing financial flexibility to be preserved 11. 0x 7.0 600 550 9.0 x 6.0 500 450 5.0 7.0 x 400 350 4.0 5.0 x 300 250 3.0 3.0 x 2.0 200 150 1.0 x 1.0 100 50 - -1.0x - -50 • •
Slide 37: Leading brands with a strong reputation in the region
_/ Leading brands with a strong reputation in the region, generating trust and driving growth and relevance i the market Reputation REPUTATION INDICATOR KEY INDICATORS 86.4 855 85 87.8% ‘SURA Latin America’s products and [eedership Trust consolidated results services 82.8 aos 86.6% SURA Asset Enpiov
Slide 38: Our ESG Commitments and Performance
/ Supported initiatives @) PSI Principios para la Sostenibilidad en Seguros PRI Principles for Responsible Investment Our ESG Commitments and Performance ESG Performance GRUPO sura \W S&P Global MSCI& ISS ESG> ESG Rating 2020 2021 2022 2023 2024 2025 S&P (max. 100) 81 80 76 67 69 71 FTSE (max. 5) 3.
Slide 39: ESG Milestones reflect our commitment to value creation
_, ESG Milestones reflect our commitment to value creation Sov Vv Vv First Materiality analysis ° ‘° (2012) First Responsible Investment Policy (2014) @ First annual report (2012) e Creation of Corporate Governance Committee (2013) @ First Nicanor Restrepo Santamaria Scholarship (2012) e@ First CDP
Grupo de Inversiones Suramericana S.A. (Grupo SURA) — Investor Presentation (September 2025) on 6ix