Earnings Results 3Q21 号Bancolombia 3Q21 Overview Financial Highlights • Loan book up 3.3% QoQ • Net fees up 9.1% QoQ • Basel III CET1 capital ratio of 11.8% and total capital ratio of 15.3% • Net income COP 943 billion down 18.5% QoQ Credit Risk • Net provision charges COP 514 billion down 18% QoQ • Coverage ratio of 218% • Allowances represent 7.9% of total loans Business Update • More than 14 million clients and 1.4 trillion pesos in deposits adding NEQUI and BALM. • 85% of total transactions and 44% of t ...

Bancolombia S.A. (NYSE:CIB) Q2 2021 Earnings Conference Call August 12, 2021 9:00 AM ET Company Participants Juan Carlos Mora – Chief Executive Officer José Humberto Acosta – Chief Financial Officer Juan Pablo Espinosa – Chief Economist Conference Call Participants Andres Soto – Santander Ernesto Gabilondo – Bank of America Yuri Fernandes – JPMorgan Thiago Batista – UBS Jason Mollin – Scotiabank Alonso Garcia – Credit Suisse Operator Good morning, ladies and gentlemen, and welcome to BancolombiaÂ's Second Q ...

Earnings Results 2Q21 号Bancolombia 2Q21 Overview Financial Highlights • Loan book up 3.25% QoQ • Deposits up 2.82% QoQ • Basel III CET1 capital ratio of 11.5% and total capital ratio of 15% • Net income COP 1.2 trillion up 113% QoQ Credit Risk • Net provision charges COP 626 billion down 51% QoQ • Coverage ratio of 227% • Allowances represent 8.3% of total loans Business Update • More than 20 million clients, growing over 10% per year in the last 5 years. • 85% of total transactions are done through digital ...

Earnings Results 1Q21 1 号Bancolombia 1Q21 Overview Financial Highlights • Loan book up 3% QoQ • Deposits up 2% QoQ • Basel III CET1 capital ratio of 11.2% and total capital ratio of 14.8% • Net income COP 543 billion up 304% QoQ Credit Risk • Net provision charges COP 1.3 trillion down 37% QoQ • Coverage ratio of 222% • Allowances represent 8.1% of total loans* Business Evolution • More than 20 million clients • 84% of total transactions are done through digital channels • The Ecosystem strategy continues t ...

Bancolombia S.A. (NYSE:CIB) Q1 2021 Earnings Conference Call May 5, 2021 9:00 AM ET Company Participants Juan Carlos Mora - Chief Executive Officer Juan Pablo Espinosa - Chief Economist Jose Humberto Acosta - Chief Financial Officer Conference Call Participants Brian Flores - Citibank Ernesto Gabilondo - Bank of America Jason Mollin - Scotiabank Sebastian Gallego - Credicorp Capital Alonso Garcia - Credit Suisse Carlos Gomez - HSBC Yuri Fernandes - JPMorgan Julian Ausique - Davivienda Corredores Operator Go ...

Table of Contents | --- | --- | |---------------------------------------------------------------------------------|------------| | | | | AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON APRIL | 22, 2021 | | UNITED STATES SECURITIES AND EXCHANGE COMMISSION | | | WASHINGTON, DC 20549 | | | FORM 20-F | | (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For ...

Financial Data and Key Indicators Changes - The net income for 2020 was COP 276 billion, reflecting a challenging year due to COVID-19 [6] - Allowances for loans at year-end were COP 16.6 trillion, a 52% increase compared to 2019, representing 8.1% of total loans [8][33] - The Tier 1 capital level increased by 167 basis points to 11.24% compared to the end of 2019 [8][36] Business Line Data and Key Indicators Changes - Digital platforms, including Nequi and Bancolombia a la Mano, reached 9.4 million clients, more than doubling the number of users from 2019 [19] - Bancolombia a la Mano exceeded expectations with 4.6 million clients and a 123% growth in fees [20] - The bank automated 29 processes to support credit relief programs and government subsidies, enhancing productivity and customer service [21] Market Data and Key Indicators Changes - The Colombian economy showed a GDP contraction of 6.8% for the full year 2020, with a negative variation of 3.6% in Q4 [6][12] - Real-time data indicated a 5% year-on-year decrease in economic activity in January 2021, but a quick recovery was observed in February [12] - The bank expects GDP to grow by 4.7% in 2021, driven by higher oil prices and government stimulus programs [13] Company Strategy and Development Direction - The company is focusing on a digital strategy with three pillars: new digital business development, digital experiences, and process digitalization [18] - Bancolombia aims to be an orchestrator of financial and non-financial solutions, enhancing its relevance in mobility and housing ecosystems [23] - The bank is investing in digital transformation and cloud migration to improve efficiency and customer experience [22] Management's Comments on Operating Environment and Future Outlook - Management noted that 2021 will be a transition year with uncertainties, particularly regarding risk management and digital investments [54] - The bank anticipates a gradual recovery in profitability, with a return on equity expected to be between 4% to 5% for 2021, aiming for 12% to 14% by 2023 [52][96] - The management expressed optimism about economic conditions improving in Colombia, which will positively impact asset quality and provisions [84] Other Important Information - The bank received a gold medal from S&P Global for sustainability performance, highlighting its commitment to financial inclusion and climate change initiatives [25] - The bank's liquidity position is expected to remain stable, with a significant increase in retail deposits contributing to a lower funding cost [39] Q&A Session Summary Question: What is the percentage of deferred loans and additional provisions built in 2020? - The bank ended the year with 15% of the total loan portfolio under relief or restructuring, with a focus on assessing asset quality [56][57] Question: How much additional room is there to maintain low operating expense growth? - 2021 will be a year of investments in digital transformation, leading to operating expenses growth above inflation [58][59] Question: What is the impact of the Colombian peso depreciation on results? - The bank is fully matched in terms of its US dollar business, minimizing the impact of currency fluctuations on its balance sheet [73] Question: What are the expectations for provisions in upcoming quarters? - The first quarter is expected to see some provision levels in line with forecasts, with improvements anticipated in the second quarter [85] Question: What is the rationale behind the dividend payout ratio? - The dividend proposal is based on local accounting rules, with a payout ratio of 28% reflecting the bank's comfortable capital levels [88] Question: What is the strategy to tackle competition from new banks? - The bank is investing in digital capabilities and acquiring clients at a healthy pace, with nearly 17 million customers in Colombia [105]

Bancolombia SA (NYSE:CIB) Q3 2020 Results Conference Call November 13, 2020 8:00 AM ET Company Participants | --- | |----------------------------------------------------------------------------------| | | | Juan Carlos Mora - Chief Executive Officer | | Mauricio Rosillo - Chief Corporate Officer | | José Humberto Acosta - Chief Financial Officer | | Rodrigo Prieto - Chief Risk Officer | | Jorge Humberto Hernandez - Chief Account Officer | | Carlos Baene - Investor Relations Director Juan Pablo Espinosa - Ch ...

Bancolombia SA (NYSE:CIB) Q2 2020 Earnings Conference Call August 6, 2020 9:00 AM ET Company Participants Juan Carlos Mora - President & CEO Juan Pablo Espinosa - Head, Economic Research José Humberto Acosta - CFO & VP, Finance Conference Call Participants Andres Soto - Santander Ernesto Gabilondo - Bank of America Merrill Lynch Daer Labarta - Goldman Sachs Group Gabriel Nóbrega - Citigroup Sebastián Gallego - CrediCorp Capital Jason Mollin - Scotiabank Yuri Fernandes - JPMorgan Chase & Co. Thiago Batista - ...

Bancolombia S.A. (NYSE:CIB) Q1 2020 Earnings Conference Call May 5, 2020 9:00 AM ET Company Participants Juan Carlos Mora – Chief Executive Officer José Humberto Acosta – Chief Financial Officer Conference Call Participants Andres Soto – Santander Ernesto Gabilondo – Bank of America Gabriel da Nóbrega – Citibank Julian Ausique – Davivienda Corredores Carlos RodrÃguez – Ultraserfinco Alonso Garcia – Credit Suisse Natalia Casas – Porvenir Yuri Fernandes – JPMorgan Sebastián Gallego – CrediCorp Capital Operato ...