Banco De Bogota SA (BOG:BOGOTA)

Q3 2025 Banco de Bogota SA Earnings Call Transcript

Nov 28, 2025 / 02:00 PM GMT

Release Date Price: COP38500 (+0.52%)

Transcript

Key Points

Positve

Banco De Bogota SA (BOG:BOGOTA) reported a 3.3% increase in net income attributable to shareholders compared to last year, reaching 390 billion pesos.
Loan quality improved with 30-day past due loans (PDLs) decreasing by 15 basis points to 5.1%, and 90-day PDLs decreasing by 21 basis points to 3.6%.
The bank's efficiency improved, with the cost-to-income ratio decreasing by 2.6 percentage points to 48.7% in the quarter.
Banco De Bogota SA (BOG:BOGOTA) achieved substantial progress in its digital strategy, recording over 3.9 million active digital keys and 400 million digital transactions in the quarter.
The divestment of Multi-financial Group is expected to free up resources, increasing the bank's capital adequacy levels and allowing for expansion in the Colombian loan market.

Negative

Inflation in Colombia rose to 5.5% in October, with limited chances of reaching the central bank's target in the short term.
Net income for the quarter was 9.2% lower than the previous quarter, despite being higher year-over-year.
Deposits decreased by 0.8% in the quarter, with savings and checking accounts showing declines of 2.7% and 3.6%, respectively.
The net cost of risk increased by 40 basis points to 1.9% compared to the previous quarter.
Consumer loans continue to decrease in real terms due to low usury rates, impacting the bank's loan growth potential.

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

BBO.CN - Banco de Bogota SA
Q3 2025 Banco de Bogota SA Earnings Call
Nov 28, 2025 / 02:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good morning. Welcome to Banco de Bogota's 3rd quarter 2025 consolidated results conference call. My name is Karen, and I'll be your operator for today's conference call.

At this time, all participants are in a listen-only mode. Afterwards, management will be available for a question-and-answer session. Please note that this conference is being recorded. We also advise you to read the disclaimer available on slide number 2. When applicable in this webcast, we refer to trillions as millions of millions and billions as thousands of millions.

Thank you for your attention. Mr. Cesar Prado, CEO of Banco de Bogota, will be the host and speaker today. Mr. Prado, the floor is yours.

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