Banco Bilbao Vizcaya Argentaria Colombia SA (BOG:BBVACOL)

Q2 2025 Banco Bilbao Vizcaya Argentaria Colombia SA Earnings Call Transcript

Jul 31, 2025 / 07:30 AM GMT

Release Date Price: COP180

Transcript

Key Points

Positve

Banco Bilbao Vizcaya Argentaria Colombia SA (BOG:BBVACOL) reported a strong evolution of tangible book value per share, increasing by 14.6% year over year.
The company achieved an outstanding return on tangible equity of 20.4% and a return on equity of 19.5% in the first half of 2025.
Net attributable profit reached €2,749 million, maintaining record profit levels despite currency headwinds.
Loan growth at the group level increased impressively by 16% year over year, indicating strong future potential.
The CET1 capital ratio improved by 25 basis points during the quarter, reaching 13.34%, showcasing strong capital management.

Negative

Falling rates in core markets negatively impacted results, posing a challenge to sustaining profit levels.
The company recorded a negative impact from US dollar hedges due to dollar depreciation against the euro.
Net trading income was negatively affected by market-to-market FX hedges, particularly related to US dollar hedges.
Impairments increased in Turkey, reflecting a normalization of the cost of risk amid ongoing macro rebalancing.
The company faces challenges in maintaining market share in the mortgage segment due to competitive pricing pressures.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

BGA.CN - Banco Bilbao Vizcaya Argentaria Colombia SA
Q2 2025 Banco Bilbao Vizcaya Argentaria Colombia SA Earnings Call
Jul 31, 2025 / 07:30AM GMT

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Presentation
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Unidentified_1 [1]
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Good morning and welcome everyone to BBBA's quarterly audio webcast. As in previous quarters, I'm joined today by our CEO on Gent and the group CFO, Rizago McBravo.

Today, along with the 2nd quarter results, we are also announcing the group's mid-term goals. Accordingly, we will dedicate the first part of the call to reviewing the quarterly figures and then move on to our strategic objectives.

Finally, we will open the line for you for your questions. So without further delay, I turn over to Patricia.

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Unidentified_2 [2]
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