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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.
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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