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Banco de Bogotá (BOGOTA) investor relations material
Banco de Bogotá Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Nov, 2025
Executive summary
Net income attributable to shareholders for Q3-2025 was COP 390.3 billion, up 3.3% year-over-year, with ROA at 1.0% and ROE at 9.1%.
NIM held steady at 4.3% quarter-over-quarter; fee income ratio was 24.9%.
Loan quality improved, with 30-day PDLs at 5.1% and 90-day PDLs at 3.6%, both decreasing sequentially.
Major divestment of Multifinancial Group (MFG) to BAC International for $459 million at 1.03x book value, expected to close by February 2026.
Digital strategy advanced, with nearly 400 million digital transactions in the quarter and 3.9 million active digital keys.
Financial highlights
Total assets reached COP 156 trillion, up 6% year-over-year and 1.8% quarter-over-quarter.
Gross loans at COP 109.4 trillion, up 2.5% quarter-over-quarter and 4.8% year-over-year.
Deposits at COP 106.1 trillion, down 0.8% quarter-over-quarter but up 9.8% year-over-year.
Net interest income for Q3-2025 was COP 1,331.4 billion, up 7.1% year-over-year.
Operating expenses at COP 991 billion, down 5.4% quarter-over-quarter.
Outlook and guidance
Loan growth expected at 4%-5% for 2025 (7% excluding FX), and 9%-10% for 2026.
NIM guidance: 4.2% for 2025, 4.6% for 2026.
Net cost of risk: 1.9% for 2025, 2.1% for 2026.
ROE guidance: ~8% for 2025, 9%-10% for 2026; long-term sustainable ROE targeted at 13% within 2-3 years.
Cost to income ratio expected at 51%-52% for 2025 and 2026.
MFG sale: How will freed capital be prioritized?
Retail loan growth: How to reach 15% market share?
ROE gap: How to reach 13% sustainable ROE?
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Next Banco de Bogotá earnings date
Q4 202513 Mar, 2026
Next Banco de Bogotá earnings date
Q4 202513 Mar, 2026
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Frequently asked questions
Banco de Bogotá S.A. is a Colombia-based financial institution that offers a wide range of banking and financial services to individual, corporate, and institutional clients. Its services include savings and checking accounts, personal and commercial loans, mortgages, credit cards, investment products, and foreign exchange solutions. The bank also provides asset management, treasury, and digital banking services. The company is headquartered in Bogotá, Colombia, and its shares are listed on the BVC.
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