Banco De Bogota Sa · BVC:BOGOTA
Banco De Bogota Sa — Investor Presentation (2025)
12 slides from Banco De Bogota Sa's investor presentation, 2025
Slide 1: Banco de Bogotá Corporate Presentation
Banco de Bogotá Corporate Presentation TÍTULO El Reconocimiento Emisores IR otorgado por la Bolsa de Valores de Colombia S.A. no es una certificación sobre la bondad de los valores inscritos ni sobre la solvencia del emisor.
Slide 2: Business Overview
Business Overview ✓ Banco de Bogotá is the first financial institution in Colombia, founded in International Recognitions and Awards 1870. It is the main subsidiary of Grupo Aval, the leading financial group in the country. ✓ Universal bank with a strong presence in the commercial and consumer lendi
Slide 3: Presence and Key Figures Q1-2025
Presence and Key Figures Q1-2025 Market Share Customers (1) Banco de Bogotá is a leading institution in Colombia 9.9 millones Colombia (3) Branches (1) 12.7% Assets Net income 8.3% 470 Gross loans 12.6% 12.7% Deposits ATMs (2) 1,566 Employees (1) Panamá (4) 15,259 TÍTULO 3.6% Assets Net income 0.9%
Slide 4: Corporate Structure
Corporate Structure Panamá 46.91%(2) New York 34.72% Agency Subsidiaries and Associates Miami Agency Agencies and Joint 22.80% Abroad Ventures Universal Bank with a wide portfolio of products and services, 100%(4) Subsidiaries 20.00% with presence across Colombia TÍTULO in Colombia and Panama, and a
Slide 5: Corporate Strategy BdB | 2024-2027
Corporate Strategy BdB | 2024- 2027 Optimal Funding Sustainability Mix Strategic Principles CT OBJE IVES Growth Profitability 1. Focus on key segments Customer At the center of our decisions 2. Customer base deepening Talent & EN Operational Culture AB L ER S Efficiency 3. Differentiated valued prop
Slide 6: Balance Sheet Q1-2025
Balance Sheet Q1-2025 Figures in USD millions Total Assets Breakdown Gross Loan Portfolio (2) $36,172 $34,183 $35,685 11.1% 11.4% 10.9% 14.1% 7.9% 7.7% 7.8% 12.2% 13.1% 13.4% Commercial 22.9% $25,392 Consumer 63.0% Mortgage 68.8% 67.7% 67.9% Q1-24 Q4-24 Q1-25 (1) Loans & leases, net Fixed income inv
Slide 7: Digital Transformation
Digital Transformation Digital transactions 19.3 M real-time transactions ∆ YoY : 59.0% / ∆ QoQ: 24.7% 367 real-time transfer transactions with financial + 126 k institutions outside of Grupo Aval 294 231 We implemented in our digital channels the option to modify credit card purchases’ installments
Slide 8: Risk Control
Risk Control Total PDLs Net Cost of Risk Coverage Net impairment loss annualized/ Allowances / PDLs average loans 1.34x 6.2% 1.17x 1.23x 5.9% 5.4% 2.9% 0.93x 0.87x 0.88x 4.3% 4.4% 3.9% 2.2% 1.7% Q1-24 Q4-24 Q1-25 Q1-24 Q4-24 Q1-25 Q1-24 Q4-24 Q1-25 Commercial PDLs Consumer PDLs Mortgage PDLs 8.2% 6.
Slide 9: Credit Ratings
Credit Ratings International Ratings July 4th, 2024 April 7th, 2025 Moody’s Investors Service BB+ Fitch Ratings Baa2 “The bank's ba1 BCA2 reflects its resilient earnings “The bank’s ratings reflect its consistent, though impacted, Negative (1) generation, its stable access to domestic deposits -whic
Slide 10: Sustainability
Sustainability Certifications +COP $5.3 +COP $14.9 trillion trillion Golden Seal: “Zero waste” certificate in green loans in social loans by ICONTEC for the headquarters building ➢ Green loans increased from COP $4.7 to COP ➢ 38% of social loans go to SMEs which are owned by women or are under their
Slide 11: Q1-2025 Performance Overview
Q1-2025 Performance Overview Net income attributable to shareholders for Q1-2025 was USD $64.6 million leading to an annualized 6.4% ROAE. 0.7% 6.4% • In Q1-2025, ROAA was 0.7%, 12 bps lower than the previous quarter. ROAE ROAA ROAE stood at 6.4%, 97 bps lower than the previous quarter. • NIM for th
Slide 12: Thank you
Thank you www.bancodebogota.com Contact Information Sergio Sandoval– CFO & Strategy Vice-president TÍTULO Javier Dorich – Head of IR & Corporate Development investor.relations@bancodebogota.com.co Best Bank in Colombia 2025 Global Finance Great Place To Work 2024 Sustainability Yearbook 2024