Corporate Information 2016

BBVA Colombia

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.

2

3

1. History

2. Organizational

Structure

3. BBVA in Colombia

4. Main Figures

5. Contact

Index

4

1. History

2. Organizational

Structure

3. BBVA in Colombia

4. Main Figures

5. Contact

Index

1956 1980

Capital Share (1)

1992

Banco Ganadero was set up as private

bank

1996

Banco Ganadero was set up

1998

BBV Acquired

49.15% of the capital

share.

BBV and

Argentaria announced

their merger

70%

30%

BBVA became the

owner of 85.1% of the Shares

BBVA increased

its ownership

to 95.2% of the shares.

BBVA Ganadero changed it’s name

to BBVA Colombia

BBVA merged with

Banco GranAhorrar

BBV acquired 34.70% of the share and merged with Banco Ganadero.

2000 2001 2004 2006

Private

Public

Caja Agraria

Our History

1990

1999 2016

90%

10%

Private

Public 1%

(1) https://www.bbva.com/es/noticias/economia/bbva-colombia-60-anos-historia/

Today’s Capital share

19%

76%

5%

5

6

1. History

2. Organizational

Structure

3. BBVA in Colombia

4. Main Figures

5. Contact

Index

Structure

Chief Executive Officer Óscar Cabrera Izquierdo

Executive VicePresidencies

Corporate & Investment Banking

DAVID REY BORDA

Commercial Network HERNANDO RODRIGUEZ

SANDOVAL

Talent & Culture JOSE ALBERTO HERNANDEZ

MERINO

Engineering JOSE MARIA

JIMENEZ TUÑON

Business Development PEDRO BUITRAGO M

Finance FELIX PEREZ PARRA

Global Risks Management ROCIO PEREZ MIES

Staff

BBVA Reseach JUANA PATRICIA TELLEZ

CORREDOR

Internal Audit FÉLIX ARMANDO CARDONA

LOPEZ

Comunnications MAURICIO FLORES M

Legal & Compliance,/ General Secretary

ULISES CANOSA S

8

1. History

2. Organizational

Structure

3. BBVA in Colombia

4. Main Figures

5. Contact

Index

29%

71%

25%

75%

Participation in Colombia - Assets

We´re focus on the Local Market

(1) Source: Annual report of each bank

100% 78%

22%

57% 43%

PEER 1 PEER 3 PEER 2

Mexico

Spain U.S.A

Turkey

Colombia

Argentina

Peru Chile

Rest of EuroAsia

4%

3%

6%

6%

14%

11%

46%

3%

7%

Net Interest Income Income Participation

TOTAL: 10.997 Mm

TOTAL: € 771 Mm

63%

37%

(2) It doesn´t include Corporative Cente, Figures Dic-16 r

% Colombia in Latin America

9

ASSIGNED PROFIT (2)

Relevant franchise for the Group in South America

100% Focus only in

local market

Our Bank…

ATM’s

1.339

Employees

6.097

Banking Agents

4.755

Branch Offices

527

Note: Include Commercial Branches, Agencies, Service Center, Minibanks, Inhouse

Population Density

1 – 2MM

2 – 4MM 4 – 6MM >6MM

< 1MM

1

Amazonas

113

Bogotá

49

Antioquia

2

Arauca

2

Caquetá

6

Casanare

2

Cauca

26

Atlántico

11

Bolívar

7

Boyacá

8

Cesar

1

Chocó

10

Córdoba

17

C/marca

Guainía

Guaviare

6

La Guajira 7

Magdalena

6

Nariño

8

Norte de Santander

7

Huila

2

Putumayo

5

Quindío

7

Caldas

11

Risaralda

1

San Andrés y Providencia

21

Santander

3

Sucre

9

Tolima

45

Valle del Cauca

Vaupés

1

Vichada

9

Meta

10

An important evolution in our Digital

Sales Ratio

% of sales in Digital Channels

Consumer

CDT Accounts

TC

0.70

1.99 4.40

5.85

2.50

8.35

1.20

9.31

Cotinue working in Digital Experience:

Attraction of digital clients

Retaining digital clients

9.2% 10.3%

9.4%

12.1% 13.6%

15.3% 16.5%

17.3%

16.1%

18.5% 19.7%

21.2%

Mobile Customers Digital Customers

12

1. History

2. Organizational

Structure

3. BBVA in Colombia

4. Main Figures

5. Contact

Index

SME’s and

Commercial

Banking

Retail

Banking

Corporate,

Investment

Banking and

Treasury

Asset

Management

Consumer

Finance

Payment Means

Multi-Line business platform

Lines of business

o High-Income Segment:

Differentiated Service

Expanded Sales

Force

Specialized Services

We´ve a difersified

portfolio to cope with

the economic cycle

Share Evolution

2%

6%

20%

0% 0.1%

5%

0%

21% 21%

15% 16%

26%

1996 2005 2016

5%

8%

13%

6% 5%

9%

6%

12%

14%

2%

8%

14%

1996 2005 2016

Mortgages Consumer

Growing in the Market Share

3%

26%

46%

12%

1% 12%

Consumer Line 2016

Payroll

Loan

Healthcare

Employees

Teachers

Pensioners

Military

Public

Sector

Payroll our Leading

Product…

14

Diversified and Growing Business

13%

43%

44% 45%

35%

20%

1996 2016

24%

52%

24%

2005

Funding Mix

Year-on-year growth by type of deposit

13.5%

10.9%

8.7% 9.7%

11.3%

1996 2000 2005 2010 2016

Checking Accounts

5.1%

7.6% 7.9%

11.0% 10.6%

1996 2000 2005 2010 2016

Saving Accounts

3.4%

6.0%

8.1% 7.3%

13.4%

1996 2000 2005 2010 2016

Term Deposits

We follow the

liquidity

standards of

BASEL III

Stable Equity at consolidated level

BBVA Colombia has a solvency ratios as good

as its peers.

Source: Annual report of each bank

4.5

7.0

4.5

5.9

CET1

Additional

Tier 1

/ Tier 2

Total Capital

Ratio 9%

Total Capital

Ratio 12.9%

13

.57

13

.37

13

.02

12

.72

12

.46

12

.96

13

.16

13

.47

11

.70

12

.20

11

.80

11

.60

13

.59

13

.72

13

.00

14

.40

BBVA Peer 1 Peer 3 Peer 2

Risk Profile

Emisor Cupon Moody´s Fitch

Peer 1 5.125 Ba2 BBB-

Peer 2 5.375 Ba2 BBB-

Peer 2 6.250 Ba2 BBB-

Peer 3 5.875 Ba2 BBB-

BBVA 4.875 Baa3 BBB

We have the best

credit rating on

the market

Debt Rating

Risk premium Default ratio

1.36 1.43

1.65

Dec-14 Dec-15 Dec-16

1.43 1.58

2.02

Dec-14 Dec-15 Dec-16

18

1. History

2. Organizational

Structure

3. BBVA in Colombia

4. Main figures

5. Contact

Index

19

Contact

E-mail: bbvacolombia-ir@bbva.com Investor Relations Team: Germán Rodríguez Perdomo germanenrique.rodriguez@bbva.com Finance - ALM & Treasury Katherine García Tel 3471600 ext 11286 Katherine.garcia@bbva.com IR – Senior Officer Bogotá, Colombia. BBVA Colombia S.A.

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.