Banco Popular Sa Bogota · BVC:POPULAR
Banco Popular Sa Bogota — Banco Popular — Q2 2026 Earnings Presentation
29 slides from Banco Popular Sa Bogota's earnings presentation, 2026
Slide 1: Corporate Presentation 2Q 2026
Corporate Presentation 2Q 2026
Slide 2: Contents
Contents 1. Key Figures and Indicators 2. Macroeconomic Context 3. Detailed Financial Results 4. Sustainability Management 5. Corporate Governance Management
Slide 3: Key Figures and Indicators
AVAL Key Figures and Indicators
Slide 4: Key Metrics 6M26
Key Metrics 6M26 Figures in COP billions and percentages Organization Balance Market Positioning Active Liabilities + Equity Payroll Loans (44%) 894 Mil 14,5Bn COP Loan Portfolio Market Share Active customers Natural person (26%) 3.0% Total Loans Other Consumer Loans (4%) 8,5Bn COP ➢ 18.0%MS Payroll
Slide 5: 6M26 Results Overview
6M26 Results Overview Figures in COP billions 3M26 6M26 Positive investment portfolio results contributed to stronger ROA 0,03% 0,14% profitability. ROE 0,4% 1,8% Profitability 6,0% 6,1% YTD 6M26 Intermediation margin Active repricing management in payroll loans, prioritizing NIM 5,2% 5,3% profitabi
Slide 6: Macroeconomic Context
AVAL Macroeconomic Context yy
Slide 7: Policy Rate Expectations, BanRep
Policy Rate Expectations, BanRep March 2026 14% 13% Media mercado 0,1275 Market Minimo 0,12125 12% Maximo 11,25% 12,00% 0,1175 April 2026 12,00% 11,80% 11% Banco Popular 11,00% 0,1125 0,102 12,00% 12,13% 10% 9% Dec. 2026 0,0825 11,75%-Mar 11,74%-Mar 8% Dec. 2027 11,00% 10,20% 7% jul-26 nov-25 sep-26
Slide 8: Inflation Expectations, BanRep
Inflation Expectations, BanRep April 2026 Market Banco Popular Media mercado April 2026 5,71% 5,66% Minimo Maximo 0,0716 7,0 0% Dec. 2026 6,54% 6,32% 6,43%-Feb 6,18%-Mar 6,5 0% 0,0632 Dec. 2027 4,75% 4,75% 4,77%-Feb 6,0 0% 4,75%-Feb 0,0578 0,055483971 Break-even Inflation Curve (Fixed-Rate TES vs. U
Slide 9: Macroeconomic Environment
Macroeconomic Environment Rising inflation and moderate growth support a cautious monetary policy stance, with a stable policy rate and IBR above 2025 levels. Policy Rate Annual Inflation 6,14 (EA%, aplicada) 11,25 11,25 11,25 (%) 5,56 5,84 5,51 5,68 10,25 10,25 5,28 5,18 5,30 5,35 5,16 5,09 5,05 5,
Slide 10: Detailed Financial Results
3 Detailed Financial Results
Slide 11: Asset Structure and Loan Portfolio
Asset Structure and Loan Portfolio Figures in COP billions and percentages Total Assets Commercial Loan Portfolio by Economic Sector Cash and Cash Equivalents $32.398 Financial Services 9% 4,1% Construction and Infrastructure 12% Fixed-Income Investments 15,0% Primary Services 8% Equity Investments
Slide 12: Anchoring composition
Anchoring composition Figures in COP billions and percentages Funding Mix 26.133 26.813 27.049 2T-25 1T-26 2T-26 12.058 12.016 12.197 3,7% 3,8% 3,7% 6,0% 5,9% 6,0% 28.975 29.713 29.973 12.935 13.704 13.649 1.141 1.092 1.203 90,4% 90,3% 90,3% 2T25 1T26 2T26 Term Deposits Savings Accounts Checking Acc
Slide 13: Loan Portfolio Quality
Loan Portfolio Quality Past-Due Loans / Gross Loans 30+ Day NPL Ratio 90+ Day NPL Ratio (Loans vencida / gross loans) (Loans vencida / gross loans) 3,5% 3,2% 2,9% 2,8% 2,7% 2,7% 2,5% 2,1% 2,1% 2,1% 2,0% 2,0% Cost of Risk (loan-loss provisions / loans) 1T-25 2T-25 3T-25 4T-25 1T-26 2T-26 1T-25 2T-25
Slide 14: Loan Portfolio Quality
Loan Portfolio Quality Past-Due Loans / Gross Loans 30+ Day Commercial NPL Ratio 30+ Day NPL Ratio Consumer 30+ Day Housing NPL Ratio 6,6% 7,0% 7,1% 6,4% 6,4% 6,5% 3,7% 3,2% 2,9% 2,5% 2,4% 2,3% 2,3% 2,7% 2,7% 2,7% 2,3% 2,3% 1T-25 2T-25 3T-25 4T-25 1T-26 2T-26 1T-25 2T-25 3T-25 4T-25 1T-26 2T-26 1T-2
Slide 15: Intermediation Margin and NIM
Intermediation Margin and NIM Net Intermediation Margin YoY +61bps Nim YoY +82bps (%) (%) QoQ +17bps QoQ +31bps 5,5 5,2 4,6 4,7 4,8 12,7% 12,8% 12,9% 13,2% 13,7% 4,4 12,6% 7,4% 7,2% 7,2% 7,5% 6,7% 6,9% 5,8% 6,0% 6,0% 6,2% 5,2% 5,6% 1T-25 2T-25 3T-25 4T-25 1T-26 2T-26 1T-25 2T-25 3T-25 4T-25 1T-26 2T
Slide 16: Key KPIs
Key KPIs Total Capital Adequacy Ratio Equity* (%) ($ - %) 12,7% 12,7% 12,3% 12,7% 2.495 2.490 11,8% 2.426 2.416 2.455 10,5% 10,5% 10,5% 10,5% 10,5% 7,6% 7,9% 8,0% 7,4% 7,4% 2T-25 3T-25 4T-25 1T-26 2T-26 2T-25 3T-25 4T-25 1T-26 2T-26 Total Capital Adequacy Ratio Regulatory Total Capital Requirement E
Slide 17: Fee Income Trends
Fee Income Trends Figures in COP billions and percentages Net Fees Fee-to-Average-Balance Ratio (Net fees / Loans bruta average) -1,4% 41,2 35,2 36,0 34,6 33,0 32,5 0,19% 0,16% 0,16% 0,16% 0,15% 0,15% 1T-25 2T-25 3T-25 4T-25 1T-26 2T-26 1T-25 2T-25 3T-25 4T-25 1T-26 2T-26
Slide 18: Efficiency
Efficiency Figures in COP billions and percentages Operating Expenses Efficiency (Operating expenses / (net interest income + net fees + other income) +3,9% -5,9% 354,3 358,2 334,6 337,2 324,6 316,7 104,2% 92,8% 96,7% 92,0% 88,1% 77,3% 1T-25 2T-25 3T-25 4T-25 1T-26 2T-26 1T-25 2T-25 3T-25 4T-25 1T-2
Slide 19: Net Income and Profitability Indicators
Net Income and Profitability Indicators Net Income (Accounting) +259,1% +658,8% 19,9 5,5 3,2 4,1 2,2 2,6 1T-25 2T-25 3T-25 4T-25 1T-26 2T-26 ROAA ROAE 0,25% 3,29% 0,07% 0,92% 0,04% 0,05% 0,65% 0,03% 0,03% 0,37% 0,52% 0,43% 1T-25 2T-25 3T-25 4T-25 1T-26 2T-26 1T-25 2T-25 3T-25 4T-25 1T-26 2T-26 Quart
Slide 20: Net Income and Profitability Indicators
Net Income and Profitability Indicators Figures in COP billions and percentages Estado de Situación Financiera jun-25 jun-26 ∆$ Vs. ∆% 12 Estado de Resultados Acum. 26 vs 25 Real COP$ miles de millones Real Real mes meses COP$ miles de millones jun-25 ∆$ ∆% Disponible 979,3 1.431,3 143,1 46,2% Comer
Slide 21: Sustainable Management
.™banco manna ROAL Sustainable Management A
Slide 22: Sustainability Model
Sustainability Model Social To be a bank that transforms its To be Colombia’s leading bank culture to enable the best in understanding the needs of Inclusive Finance moment in life Cultural an aging population Transformation Accessible and Inclusive Product Ecosystem Performance ¡The bank for and Pr
Slide 23: Pillars
Pillars A B C D Economic Growth, Profitability Culture, Well-being, Inclusion Responsible and Consistent Purpose-driven Governance and Innovation and Social Equity Environmental Management Drive the Bank’s economic growth • Promote financial inclusion, Strengthen corporate Identify, measure, assess
Slide 24: Recognitions and Memberships
Recognitions and Memberships S&P Global Corporate Sustainability Assessment (CSA) Green Protocol A voluntary agreement between the financial sector and the Assesses the environmental, social and governance National Government to coordinate efforts that advance the performance of participating compan
Slide 25: Corporate Government Management
6 Corporate Government Management
Slide 26: Board of Directors
Board of Directors Mauricio María Ximena Diego Fernando Rafael Paula Hernando Lombana Villalba Solano Saravia Arango Calle Durán Fernández Amador Andrade Ernesto José Natalia Luis Ernesto Juan Pablo Gutiérrez de Piñeres Ramírez Carrizosa Mejía Castro Zárate Perdomo Luna Non- Director Board member pr
Slide 27: Board Committees
Board Committees Corporate Governance, Sustainability Audit Committee and Human Talent Committee Risk Committee This committee assists the Board of This committee assists the Board of This committee assists the Bank’s Board of Directors in assessing the Internal Directors in proposing and Directors
Slide 28: Senior Management Structure
Senior Management Structure
Slide 29: Contact Information
Contact Information www.bancopopular.com.co Alejandra Dumar Carrizosa Corporate Governance and Sustainability Division IR@bancopopular.com.co (601) 7560000