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Banco de Bogotá (BOGOTA) investor relations material

Banco de Bogotá Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary28 Aug, 2025

Executive summary

  • Net income attributable to shareholders for Q2-2025 reached COP 430.1 billion, up 61% quarter-over-quarter, with ROAA at 1.1% and ROAE at 10.3%, both showing significant improvement.

  • Digital transformation initiatives advanced, leading to a 5% increase in digital transactions and new product launches.

  • Sustainability efforts were recognized with multiple awards; the green loan portfolio grew 30.7% year-over-year, and social loan disbursements to women-led SMEs exceeded COP 1.8 trillion in H1-2025.

  • Total assets reached COP 153.1 trillion, up 5.3% year-over-year and 2.3% sequentially.

Financial highlights

  • Net interest margin (NIM) improved by 11 bps to 4.3%, driven by higher loan and investment yields.

  • Gross loans reached COP 106.7 trillion, up 0.3% quarter-over-quarter and 2.6% year-over-year; deposits rose 2.1% to COP 107.0 trillion.

  • Fee income ratio was 25.6%, and the cost to income (efficiency) ratio was 51.3%.

  • Net cost of risk decreased to 1.5%, with impairment loss on financial assets at COP 407.2 billion, down 31% sequentially.

  • Operating expenses were COP 1,046.7 billion, up 11.3% year-over-year and 3.0% sequentially.

Outlook and guidance

  • Loan growth guidance for 2025 is 6–7% year-over-year, with NIM expected at 4.3% and net cost of risk at 1.9–2.0%.

  • ROAE guidance is 8.5%, with cost to income ratio targeted at 50% and cost to assets at ~2.6%.

  • Forward-looking statements highlight potential impacts from economic, interest, and currency rate changes.

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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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