BBVA Colombia · BBVA Colombia 2013 “Working for a better future for people” The IR Recognition granted by Bolsa de Valores de Colombia S.A. (the Colombian Stock Exchange) is

BBVA Colombia

2013

“Working for a better future for people”

The IR Recognition granted by Bolsa de Valores de Colombia S.A. (the Colombian Stock Exchange) is not a certification of the registered securities or the solvency of the issuer.

3

BBVA

Group

BBVA: A global financial group, recurrent and in

expansion

Customer Centric

Model

Leadership in

main markets

155 years experience

in banking

10

BBVA

Colombia


For BBVA Research, the expectections are positive

The economy grew up better than expected on 2Q13

Prediction to have a good performance at the end of period

Employment: indicators are stable.

14

The confidence starts to recover based on the good expectations, especially

in the industrial system

Inflation controlled and Monetary expansion

Political enviorment: 2014 elections and legal stability (Courthouse

and legislative changes) could affect the banks results.

The largest foregin

Bank in Colombia

Presence in Colombia

since 1996

4°

Mortgages

Net Loans

Assets Transactional

Deposits

Total

Deposits

Personal Banking 3°

1

35 Bill. $ Assets

4 Mill. Clients

444 Offices

429 Branches

1.054 ATM´s

5.165 Employees

BBVA Colombia, 16 years committed with

Colombia

Lending Deposits

Equity Net Benefit

Var.

y/y %

Var.

CAGR%

High growth in activities and results on BBVA

Colombia.

17,954 18,748 20,488 21,166

24,704

13%

21%

17%

Sep.11 Dec.11 Sep.12 Dec.12 Sep.13

17,166 18,652 21,139

24,282 27,984

30%

32%

28%


2,426 2,564 2,722 2,857 3,027

11%

11%

12%


348 350 373

6%

4%

Sep.11 Sep.12 Sep.13

Thousand million

$COP

Market share - Lending (%) Market share - Deposits(%)

Strength in retail activity on individuals

… Customer´s confidence

Lending

Thousand million COP$ Sep.13 Var. 13/12

Consumption 7,384 24%

Credit Cards 1,042 13%

Mortgages 5,812 21%

Commercial 10,466 19%

Total Lending 24,704 21%

Clients Deposits

Thousand million COP$ Sep.13 Var. 13/12

Checking accounts 4,128 32%

Savings 15,961 39%

Term Deposits 7,612 21%

Others 282 22%

Total Deposits 27,984 32%

Share Aug - 13 Var. TAM (pb)

Consumption 13,11 +130

Credit cards 6,80 +5

Mortgages 18,59 +19

Commercial 6,62 -21

Total Lending 9,51 +19

Share Aug - 13 Var. TAM (pb)

Checking Accounts

9,96 +65

Savings 12,25 +67

Term Deposits 9,95 +123

Total Deposits 10,97 +92

Liabilities structure centered on the customers

resources

50.7% 50.8% 52.2% 53.5% 53.4% 53.4% 52.1% 51.5% 51.8% 52.7% 54.0% 54.0% 53.5%

15.4% 14.7% 14.9% 15.4% 15.0% 14.8% 13.8% 15.0% 14.5% 15.2% 15.2% 15.4% 15.6%

27.2% 28.0% 27.4% 26.1% 26.6% 26.7%28.2% 27.7% 27.9% 26.6% 25.3% 25.1% 25.8%

6.8% 6.5% 5.5% 5.1% 5.0% 5.2% 5.9% 5.8% 5.8% 5.6% 5.5% 5.6% 5.1%

Se

p-1

2

Oc

t-1

2

No

v-1

2

Dic

-12

En

e-1

3

Fe

b-1

3

Ma

r-1

3

Ab

r-1

3

Ma

y-1

3

Jun

-13

Jul-

13

Ag

o-1

3

Se

p-1

3

Ahorros Vista CDT´s Bonos

Dec

-12

Au

g-1

3

Jan

-13

TD Bonds CA Savings

Good situation of the Bank in relation on

the maturity of bonds.

TYPE DATE TERM NOMINAL VALUE

EXPIRATION DATE

Int. Rates of

IPC / 1

Ordinary Bonds - 2008 - 04 Aug-09 26-Aug-08 6 years 43,110 26/08/2014 IPC+ 4.58%

Ordinary Bonds - 2008 - 04 Aug-09 26-Aug-08 11 years 155,000 26/08/2019 IPC + 5.69%

Ordinary Bonds - 2009 - 29 Sept - 10 29-Sep-10 5 years 33,600 29/09/2015 IPC + 3.05%

Ordinary Bonds - 2009 - 29 Sept - 10 29-Sep-10 7 years 134,050 29/09/2017 IPC + 3.70%

Subordinated Bonds - 2011 - 19 Sep - 18 19-Sep-11 7 years 102,000 19/09/2018 IPC + 4.28%



Subordinated Bonds 2013 - 19 Feb 2013 19-Sep-11 10 years 200,000 19/02/2023 IPC + 3.60%

Subordinated Bonds 2013 - 19 Feb 2014 19-Sep-11 15 years 165,000 19/02/2028 IPC + 3.89%

Total Bonds (IPC) 1,094,760

22

Net interest income 2011 -2013 Gross Margin 2011 -2013

Net Margin

2011 -2013

884 1.070

1.202

12%

17%


1.221 1.454

1.608

11%

15%


440 495 516

4%

8%


Var.

y/y %

Thousand million

$COP

Var.

CAGR%

Recurrent benefit creation…

…increasing

23

Outstanding growth with the best quality ratios…

NPL ratio

2011 -2013 (%)

Coverage ratio

2011 -2013 (%)

1.31 1.21

1.37

1.85 1.95

2.05

Aug.11 Aug.12 Aug.13

BBVA

System

310.95 322.22

258.14

247.59 233.97

218.92

Aug.11 Aug.12 Aug.13

BBVA

System

11,2710 ,70

11,27

11,65

Sep.12 Sep.13

15.82

14.25

BBVA System

24

Confortable levels in Solvency, focused on

profitability

Solvency ratio

September(%)

SFC

9%

18.84 16.23

14.61 13.11 11.35

BBVA Peer 1 Sector Peer 2 Peer 3

-338

ROE BBVA vs. System Aug. 13 (%)

+57 -121 -248 -153

ROE Ex – Goodwill Peer Group Aug. 13 (%)

*New metholody

Previous

methodology

*Decreto 1771

Ratings – BBVA Colombia Outstanding…

•Increasing importance of the BBVA Colombia´s strategy

on the global BBVA Group, because the good

performance

• The viability ratings has improved, by the success

efforts of the bank, in the improvement of the assets

quality , increased profitability , reserves and capital,

which provides solidity

Fitch Moody´s

Long term FX BBB- Baa3

Short term FX F2 P3

Long term ML BBB Baa2

Short term ML F2 P3

Internationals

Calificación

Long term ML AAA

Short term ML F1+ col

Calificación

Long term ML AAA

Short term ML BRC 1+

Fitch Ratings

Colombia S.A.

BRC Investor

Services S.A.

Locals

BBVA Colombia has the highest qualification on grade investment

26

In Conclusion

Business Model based on sustained and recurrent

revenues creation.

Healthy growth, with credit quality

Subsidiary Model (Headquarter Know How.)

Broad levels in solvency, focused on

profitability

Contact us.

Investors Relation Team

E-mail: [email protected]

Bogotá, Colombia.

BBVA Colombia S.A.


BBVA Colombia

2013

“Working for a better future for people”


Documents

BBVA Colombia · BBVA Colombia 2013 “Working for a better future for people” The IR Recognition granted by Bolsa de Valores de Colombia S.A. (the Colombian Stock Exchange) is