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Presentación De Powerpoint Banco de Bogotá Corporate Presentation The Issuers Recognition-IR granted by the Colombian Securities Exchange is not a certification about the quality of the securities listed at BVC nor the solvency of the issuer. 1 Business Overview – 4Q2020 ✓ Founded in 1870, Banco de Bogotá is Colombia’s oldest financial institution and Banco de Bogotá’s Structure the principal subsidiary of Grupo Aval, the leading financial group in Colombia. Main Subsidiaries ✓ Universal bank with a strong presence in the commercial and consumer lending Associated segments. (5) (5) (6) ✓ Listed on the Colombian Stock Exchange (BVC), Banco de Bogotá’s market capitalization as of December 31, 2020 was USD $7.3Bn. Central American Panamenian Pension Merchant Banking Group Bank Fund Bank Regional Franchise Grupo Aval 20.0% 8.4% Banco de Bogotá 100.0% 99.6% 46.4% 34.1% Colombia(1) Banco de Occidente 24.2% 4.1% #1 Net Income Banco Popular 5.1% Otros 0.4% 9.4% 48.3% Total 100.0% 100.0% 100.0% 100.0% Breakdown by Geography (7) | Costa Rica Assets Net Income USD$60.7 billion USD$192.4 million Central America(2) #1 Assets, Loans and Deposits 32.3% #2 Net Income Total Distribution 46.1% Network Ownership 53.9% Grupo AvaI 68.7% ATMs 67.7% Other Companies 3,928(3) Consolidated Ratios(8) owned by Mr. 8.3% ROAA: 1.2% Branches ROAE: 10.5% Sarmiento Angulo Others 23.0% 1,405(4) Colombian operation Central American operation Total 100.0% Sources: Company information. (1) Rankings as of December 31, 2020. Net income figures are non-consolidated. (2) Rankings as of December 31, 2020. Calculated based on data aggregated from the local bank superintendencies of Costa Rica, El Salvador, Guatemala, Honduras, Panama and Nicaragua. (3) Reflects aggregate number of ATMs of Banco de Bogotá, BAC Credomatic and Multi Financial Group as of December 31, 2020. (4) Reflects aggregate number of branches of Banco de Bogotá, Porvenir, Banco de Bogotá Panamá, Almaviva, Fiduciaria Bogotá, BAC and Multi Financial Group (MFG) as of December 31, 2020. Banco de Bogotá,BAC Credomatic and MFG jointly account for 1,278 branches. (5) Banco de Bogotá owns BAC Credomatic and Multi Financial Group through Leasing Bogotá Panamá. (6) Banco de Bogotá controls Porvenir through shareholders agreements with Grupo Aval and Banco de 2 Occidente. (7) As of December 31, 2020. Exchange Rate: $3,432.50; Net Income for the quarter (as of December 31, 2020). (8) Annual ratios. Milestones in Banco de Bogotá’s Evolution 1870 – 1987 1870 – Banco de Bogotá starts 1924-1928 - Merger with 1967 - 1980 – Opening of branches 1987 – Banco de Bogotá is operations on November 15 as a different regional Banks and Subsidiaries abroad (Panama, acquired by Sarmiento financial institution. New York, Nassau and Miami). Organization. 1988 - 2003 1988 – 2003 - Development of an attention and differentiated service model. Important investment in technology, consolidating nationwide coverage and leadership position. 1992 – Acquisition and merger 1992 - Establishment of Fidubogotá, Leasing with Banco del Comercio Porvenir and Porvenir Pension Fund. 2004 - 2009 2005 - Merger of Corficolombiana 2006 - Banco de Bogotá 2007 - Merger of Fidubogotá 2009 - Merger of Grupo Aval’s and Corfivalle. acquires and merges with and Fiducomercio stockbrokers: Casa de Bolsa. Megabanco, strengthening the retail banking segment. 2010 - 2020 2013 - Acquisition of 100% of BBVA’s ownership in BBVA Panamá 2018 - 2019 – Digital products’ launch: Savings Accounts, and acquisition of Grupo Financiero Reformador in Guatemala. Credit Cards, Personal Loans, Payroll Loans and Housing 2010 - Acquisition of BAC - Issuance of Common Shares ($1.3 trillion pesos). Loans. Credomatic, Central American - International Bond Issuance: US$500 million Subordinated Notes. 2020 – Acquisition of Multi Financial Group, owner of financial group, enhancing our 2016 – The Bank ceded control of Corficolombiana to Grupo Aval. Panamanian Bank Multibank strengthening our market international presence. - Subordinated bond issuance on international markets of US$600 share. -Mandatory Convertible Bonds million, and issuance reopening of US$500 million. - US$520 million AT1 instrument issued by BAC issuance ($2.3 trillion pesos). 2017 - The Bank ceded control of Casa de Bolsa to Corficolombiana Credomatic, with capital treatment in Panama and in S.A. Colombia. - International Ordinary Bond Issuance (US600 million) - Launch of Banco de Bogotá’s Digital LAB. 3 Our Business Pillars Transformation & 3 Digitalization 1. Well Diversified Operation • Resilient net income • Synergies across business lines 2. Economies of Scale & Ecosystems • BdB and subsidiaries serve more than 23.9 MM customers on 11 countries • Top 2 leader in net income market share in Colombia over the last 10+ years 3. Transformation & Digitalization • Focus on customer experience and efficiency • Omnichannel approach 1 2 Well Diversified Economies of Scale Operation & Ecosystems 4 1. A Bank with Diversified Operations and International Recognition President President President Rodolfo Tabash Rodolfo Tabash Miguel Largacha Central American Financial Panamanian bank with over Largest private pension and 100.0% Group leader in the regional 99.57% 30 years of operations, main 46.39%* severance funds manager in banking operation. subsidiary of Multi Financial Colombia. Group. President President General Manager Buenaventura Osorio Ivan Rodríguez Adriana Cuervo Execution and management General Warehouse, Customs Technical and administrative 94.99% of Mercantile Trust and Trust 94.93% Agent and Integral Logistics 94.90% services company. CEO Funds Agreements. Operator. Alejandro Figueroa Universal Bank with a wide portfolio of products General Manager International licenses to carry out Banking Businesses. and services. Presence José Manuel Ayerbe Miami and New York agencies, authorized to perform across Colombia. Electronic deposits and Investment Portfolio Management, focused on Banco Agencies in Miami, New 38.90% payments society (SEDPE), de Bogotá’s corporate and institutional clients with a York and Panama. 1/ offers 100% digital payment 100.0% full range of services. solutions. “Outstanding “Bank of the “Bank of the “Best in Lending Crisis “Best Bank in “Best Bank in Year in Year in in Latin America Leadership Colombia 2020” Colombia 2020” Colombia 2020” Colombia 2020” – Digital 2020” Consumer Bank 2020” 1/ For further information on Banco de Bogotá’s products and services, visit www.bancodebogota.com. (*) Includes direct and indirect ownership. Banco de Bogotá controls Porvenir through shareholders agreements with Grupo Aval and Banco de Occidente. 5 2. Economies of Scale & Ecosystems Value creation for our customers is the outcome of successfully achieving our strategic goals supported on a long-term sustainable approach provided by our Senior Management team and executed by our human talent. 23.9 million 42,955 1,405 3,928 19,312 Customers 1 Employees 1 Branches 1 ATMs 2 Banking Correspondents 2 Market Share in Colombia 3 Benefits 53.2% • Ensure different points of contact with our customers in order to strengthen our service model and support 14.5% 12.5% 13.6% cross-selling. • Nurture unique attention channels to identify potential Assets Gross Deposits Net customers and segments. Loans Income • Create synergies across businesses which lead to more Market Share in Central America 4 efficient operations and favors greater IT investments. 15.2% 11.5% 12.7% 11.8% • Our scale allows us to feed our data sources, enabling us to enrich our added value proposal for our customers. Assets Net Loans Deposits Net Income 1. Reflects aggregate number of Customers, Employees and Branches of Banco de Bogotá, Porvenir, Banco de Bogotá Panamá, Almaviva, Fiduciaria Bogotá, BAC and MultiFinancial Group (MFG) as of December 31, 2020. Banco de Bogotá, BAC Credomatic and MFG jointly account for 1,278 branches. 2. Includes ATMS and Banking Correspondents from Banco de Bogotá, BAC Credomatic and MFG. 3. Source: Colombian Financial Superintendence. Net Income for the period (December 2020). Gross Loans include capital portion only and excludes Repos and Interbank Loans. Deposits include other deposits. 4. Source: Central American Superintendencies; estimations made by Banco de Bogotá based on consolidated financial statements. 6 3. Transformation & Digitalization Sales Channel Transformation Service Channel Transformation Total Consolidated Digital Sales (k) 1 Active Digital Clients (k) ∆ CAGR 94.1% BdB + BAC 1,251 out of 7 10 ∆ CAGR 34.0% Products sold in 911 2,499 Colombia 1,882 Outstanding 1,391 332 and 3 out of 10 Consumer Ratings in our Banking App sold in CenAm are digital 2018 2019 2020 2018 2019 2020 4.3 4.5 Service Channel Transformation Omni-channel strategy Total Digital Transactions (MM) Share of digital Tx Optimization of our footprint BdB + BAC BdB + BAC # Full Service Branches ∆ CAGR 24.6% ∆ -18% 506 86% 985 956 387 325 of all transactions 809 were performed 41 New through digital digital branches channels in 2020. 4Q-2018 4Q-2019 4Q-2020 2018 2019 2020 1. Digital sales are those performed through all our digital channels, including tablets. Sales figures Include the following products: Savings Accounts (excluding retired workers savings accounts), Credit Cards, Personal 7 Loans (Libre destino), Insurances, Mortgage Loans, Loan Purchases, Payroll Advance (ADN), Term Deposit Certificate (CDT), Payroll loans, Affiliations, Automatic Charges, Minicuotas, Flash Cash, ADS and Travel. Consolidated Results Confirm Banco de Bogotá’s Financial Strength Financial Highlights Main Ratios Variation (US$ Billions) 4Q-2019 4Q-2020 2020 vs 2019 2019 2020 Total Assets 51.0 60.7 19.0% Delinquency Ratio 1 4.2% 4.7% Total Net Loans 33.0 38.5 16.7% Loan Coverage 2 1.04x 1.15x Total Net Investments 5.5 8.3 50.1% Administrative Efficiency 3 51.5% 49.8% Deposits 34.3 42.9 25.0% ROAA 4 1.8% 1.2% Total Equity 6.4 6.6 2.9% ROAE 5 14.4% 10.5% 6 (US$ Millions) 2019 2020 Variation Capital Adequacy 12.8% 12.1% Net Income (12 months) 895.5 729.7 -18.5% Figures under IFRS 1 Delinquency Ratio: Past-due Loans over 30 days / Gross Loans.
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