Grupo de Inversiones Suramericana (GRUPOSURA) Corporate presentation summary

Regional platform and strategy

• Financial platform spans 10 Latin American countries, with 77M+ clients, 63K+ employees and COP 31.5T revenue; client and employee counts are year-end 2025, revenue is 2Q26 LTM adjusted for Grupo Cibest impairment.

• Portfolio focuses on financial services, with 93.3% ownership of SURA Asset Management, 81.1% of Suramericana and 46.3% total ownership of Grupo Cibest.

• Latin American financial penetration remains below global levels: AUM/GDP 24% vs. 68%, insurance premiums/GDP 3.2% vs. 7.3%, and private credit/GDP 52% vs. 151%.

Earnings and 2028 ambitions

• Pro forma controlling net income reached COP 2.784T for 2026 LTM, compared with COP 1.187T in 2021, on an adjusted basis excluding specified non-recurring items and non-financial holdings.

• Pro forma controlling EPS was COP 8,496 for 2026 LTM versus COP 2,504 in 2021; the series excludes specified non-recurring items and uses period-end shares outstanding.

• Adjusted ROE was 16.5% for 2026 LTM; 2028 ambitions include net income of ~COP 3.3T, EPS of ~COP 10,000, adjusted ROE of ~15%, net debt below COP 5T and dividends per share of ~COP 3,000.

• 2028 ambitions are based on organic growth and exclude extraordinary events; net debt/dividends target is ~1.9x versus 2x for 2026 LTM.

Suramericana

• Insurance operations span 7 Latin American countries, with COP 20T written premiums, 20M+ clients and 21K+ employees; figures are 2Q26 LTM for premiums and year-end 2025 for clients and employees.

• 2026 LTM premiums were COP 20.1T versus COP 15.8T in 2021; controlling net income reached COP 904B, and adjusted ROE/ROTE were 14.2%/17.1%. Figures exclude EPS except ROE and ROTE.

• 2026E guidance: written premium growth 9%-11%, adjusted ROE 12%-13% and adjusted ROTE 14%-15%; initiatives include voluntary health, life insurance expansion, Suratech, new technology-enabled markets and efficiency.