Banco Davivienda SA · BVC:PFDAVVNDA
Banco Davivienda SA — Investor Presentation (November 2025)
31 slides from Banco Davivienda SA's investor presentation, November 2025
Slide 1: Banco Davivienda Corporate Presentation 3Q25
Banco Davivienda Corporate Presentation 3Q25
Slide 2: Disclaimer
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 12 2 Grupo Bolívar 5 8 Wealth Management 16 3 Ownership Structure 6 9 Credit Risk Management 17 4 Sustainable Management 7 10 Capital Structure 19 5 History 9 11 Key Ratios 20 6 Loan Portfolio and Funding Sources 10 12 Col
Slide 4: Banco Davivienda at a Glance
Banco Davivienda at a Glance Loans: $15.3 Bn Loans: $13.3 Bn Main Figures Customers: 10.3 M Customers: 444 k USD Billion Y/Y 2 Assets $ 48.5 4.4% 2 Gross Loans $ 36.9 2.7% Deposits $ 35.3 6.8% Equity $ 4.3 6.3% Net Profit1 $ 265.8 + $326.9 Deposits: $289.8 M Loans: $8.3 Bn Customers: 19.1 M Customer
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. USA (Miami) USD $55.2 Billion +30 Million Honduras Assets Customers El Salvador USD $5.1 Billion +25 K Costa Rica Colombia Equity Employees Panamá Financial Services Insurance Con
Slide 6: Ownership Structure
Inversiones Ownership Structure Cusezar Other 0.1% 12.0% Inversiones Meggido Retail 12.0% Common shares 1.8% 371,069,401 Foreign investors 76.1% 75.9% Other companies 1.3% 4.1% Inversiones Cusezar 9.2% Inversiones Meggido Foreign investors 4.0% Inversiones Inversiones Cusezar Total shares 5.6% Meggi
Slide 7: Our Sustainable Management
Our Sustainable Management Our strategy is sustainable and aligned with various standards and reporting frameworks. We have prioritized 8 SDGs to which we contribute through various initiatives across different lines of business. We make it easier for people, families, and businesses to achieve their
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 Portfolio1,2 Providing technical support for our business and corporate clients, (USD Billion) in line with our commitment to protect Biodiversity ● Signing of a Memorandum of Understanding for t
Slide 9: A history of learning and innovation, with sustainable growth
A history of learning and innovation, with sustainable growth Savings and Loans Regional Financial Latin Corporation Mortgage Bank Universal Bank Regional Bank Platform Global 5 Nov. 2023 Mar. 2024 Holding Share Issuance Davivienda US$184M 3Q25 Internacional 13.2% Oct. 2024 2021 3Q25 CF4 2015 15.0%
Slide 10: A diversified loan portfolio focused on strategic segments and products
A diversified loan portfolio focused on strategic segments and products Gross Loans1 Loan Mix (%) 2.7% Y/Y 8.8% 3.1%2 Y/Y Y/Y -4.1% 2.7% Y/Y Y/Y 2.6% 4.7% Y/Y Y/Y Commercial Loans3 Consumer Loans Mortage Loans 7.5% 4.6% 2.9% 7.5% $17.2 $8.5 $11.1 1. Consolidated Gross Loans in USD Billion 2. Growth
Slide 11: Stable and Diversified Funding Sources
Stable and Diversified Funding Sources USD Billion Demand deposits Term deposits $41.8 Credits Bonds Loans to Deposits 130.7% 128.9% 122.3% 120.2% 120.8% 110.2% 106.7% 104.5% Loans to Funding Sources 97.2% 95.9% 93.4% 91.4% 92.6% 89.1% 88.8% 88.1% International Issuances Portfolio Securitization2 Is
Slide 12: 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) 11% 70% Q/Q Y/Y 1 Digital Clients 6% 17% Q/Q Y/Y 93.8% 2% 16% Q/Q Y/Y Transactions by Channel (% of monetary transactions) Digital Clients1
Slide 13: DaviPlata, a Neobank for Everyone
DaviPlata, a Neobank for Everyone Wallet Payment methods Financial Offering P2P Digital Debit Card (NFC) Saving: Digital Pockets Mobile top-up Digital Credit Card (NFC) Credit: Nanocredits, Remittances Apple Pay / Google Pay Payroll Advance and Credit ● Young Adults Pay bills QR & POS Transactions Ca
Slide 14: DaviPlata, supporting customer acquisition, low-cost funding and income generation
DaviPlata, supporting customer acquisition, low-cost funding and income generation… Clients and Deposits Credits1 (USD Billion) 2% 16% 84% 388% Q/Q Y/Y Q/Q Y/Y 1% 4% 45% 279% Q/Q Y/Y Q/Q Y/Y Total Clients (M) Low-Amount Deposits - Disbursements Portfolio Monthly Average (USD M) Income Transactions2
Slide 15: DaviPlata
DaviPlata Cross-Selling Results CAC DaviPlata / Davivienda (12 Months) 9% 11% Q/Q Y/Y 8% 30% Q/Q Y/Y 6% 4% 9% 25% Q/Q Y/Y Q/Q Y/Y 1 Active Users Customer Satisfaction (30 Days) -2.9pp 0.9pp Q/Q Y/Y 0pp -2pp Q/Q Y/Y 1. CAC in USD estimated with the average exchange rate. 15
Slide 16: Wealth Management
Wealth Management AUM Evolution (USD Billion) CAGR: USD $12.8 Billion in AUM 5.1% Trust Business 400 thousand customers USD $7.7 Billion in AUM Brokerage Business 108 thousand customers Funds and Portfolios Assets Under Custody Trust Funds Investment Funds & Securities Brokerage & Voluntary Pension
Slide 17: Credit Risk Management - PDL & Coverage
Credit Risk Management - PDL & Coverage Total PDL & Coverage1 Coverage + Collaterals3 2 3 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 Lo
Slide 18: Credit Risk Management - Provision Expenses and Loans by Stages
Credit Risk Management - Provision Expenses and Loans by Stages CoR1 & Provision Expenses2 3Q25 Accumulated $ Q/Q $ Y/Y Provision Expenses 208 -12.5% 655 -37.0% Accumulated Loans by Stages Coverage by Stages 1. Cost of Risk = Provision Expenses / Gross Loans. 2. Figures in COP Billion. 18
Slide 19: Balance Sheet - Capital Structure
Balance Sheet - Capital Structure Capital Adequacy Ratios CET1 7.0% 1 Equity & RWAs2 Leverage Ratio 3Q25 Q/Q Y/Y Accounting Equity 4.3 1.7% 6.3% Common Equity Tier 1 3.8 2.7% 8.9% Additional Tier 1 0.5 -2.0% -6.0% Total Technical Capital 5.6 11.3% 13.6% RWAs 32.3 -0.9% -4.3% Credit Risk 28.2 -1.4% 0
Slide 20: 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 Fin
Slide 21: A Leading Banking Institution in Colombia
A Leading Banking Institution in Colombia Customers¹ +23.6M Branches 490 ATMs 2.2k Employees ~ 11k September Market Y/Y Ranking USD Billion 2025 Share Assets $ 37.3 5.1% 2 13.2% Gross Loans $ 27.8 4.9% 2 15.0%² Commercial $ 12.8 6.2% 3 13.1% Consumer $ 5.9 -4.1% 3 11.2% Mortgage $ 9.1 9.6% 1 25.9%²
Slide 22: Our Operations in Central America
Our Operations in Central America Honduras Total Central America¹ USD Million Sep. 25 Y/Y Assets 12,459 7.5% El Salvador Gross Loans 8,265 3.1% Customers +1.9 M Costa Rica Commercial 3,924 -0.9% Branches 138 Consumer 2,502 3.1% ATMs 578 Panama Mortgage 1,839 12.8% Employees +4.3 K Deposits 8,797 9.5
Slide 23: Board of Directors and its Supporting Committees
Board of Directors and its Supporting Committees BoD Members Audit Committee 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 & S
Slide 24: 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 25: Appendix
said % Appendix
Slide 26: Macroeconomic Fundamentals Colombia
Macroeconomic Fundamentals Colombia Economic Activity Index (Y/Y) Monetary Policy Rate, Inflation and Funding Rate Sep. 24 Jun. 25 Sep. 25 360 Days CDs 9.90% 9.53% 9.40% MPR 10.75% 9.25% 9.25% Sep. 24 Sep. 25 Quarterly Average Annual Inflation 5.81% 4.82% 5.18% Jun. 25 1.9% 2.5% 3.2%* 1.8% 1.8% 1.7%
Slide 27: Financial System Colombia
Financial System Colombia Loan Portfolio Interest Rates on Loans Apr. 23 (Annual Growth) (4-week moving average) 47.1% Sep. 24 Jun. 25 Sep. 25 Sep. 24 Jun. 25 Sep. 25 28.9% 29.1% 25.6% Cap Rate1 25.0%* 11.0% Mortgage 10.7%* 9.4% Consumer 18.9%* 17.2% Total 6.3%* Total 14.7%* 6.1% Commercial 5.7%* 13
Slide 28: Macroeconomic Fundamentals CAM
Macroeconomic Fundamentals CAM Quarterly Gross Domestic Product (Y/Y) Annual Inflation (Y/Y) 10.6% Mar. 25 Jun. 25 Sep. 24 Jun. 25 Sep. 25 Honduras Honduras 4.1%* 4.2% 4.5%* El Salvador 2.0% El Salvador 4.2% 4.1%* 0.4%* 0.4% Panama 3.3% Costa Rica 3.9%* 0.2% 0.1%* 1.8% Panama Costa Rica 3.4%* -1.0%*
Slide 29: Consolidated Balance Sheet
Consolidated Balance Sheet USD Million 3Q24 2Q25 3Q25 $ Q/Q Q/Q $ Y/Y Y/Y ASSETS Cash and Interbank Funds 3,613 4,106 4,563 457 11.1% 950 26.3% Investments 5,466 5,887 5,783 - 104 -1.8% 317 5.8% Gross Loans 35,886 36,979 36,858 - 120 -0.3% 972 2.7% Commercial 16,804 17,600 17,239 - 361 -2.1% 435 2.6
Slide 30: Consolidated P&L
Consolidated P&L Quarter Accumulated USD Million 3Q24 2Q25 3Q25 $ Q/Q Q/Q $ Y/Y Y/Y Sep 2024 Sep 2025 $Y/Y Y/Y Total Income 1,199 1,182 1,180 -2 -0.2% - 19 -1.6% 3,706 3,545 - 161 -4.3% Loans 1,044 1,042 1,016 - 26 -2.5% - 28 -2.7% 3,279 3,110 - 169 -5.2% Investment 127 119 134 16 13.3% 7 5.9% 333 3
Slide 31: Investor Relations
Investor Relations ir.davivienda.com ir@davivienda.com + 57 (601) 220 3495 Bogota - Colombia
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