BVC:CREDIFAMI Income Statement

Financials in millions COP. Fiscal year is January - December.

Millions COP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	77,725	77,904	70,714	59,933	51,358
Total Interest Expense	47,506	52,881	48,715	28,830	20,179
Net Interest Income	30,218	25,023	22,000	31,103	31,179
Commissions and Fees	4,758	3,609	3,080	2,403	2,000
Gain (Loss) on Sale of Investments	2,739	2,436	1,517	2,955	996.76
Other Revenue	35,439	36,129	59,340	63,167	22,144
Revenue Before Loan Losses	73,155	67,196	85,937	99,628	56,320
Provision for Loan Losses	7,808	7,910	7,544	7,680	3,728
Revenue	65,347	59,285	78,393	91,948	52,592
Revenue Growth (YoY)	10.22%	-24.37%	-14.74%	74.83%	71.83%
Salaries & Employee Benefits	16,473	15,979	14,599	11,933	10,346
Cost of Services Provided	11,511	10,452	8,926	10,925	8,381
Other Operating Expenses	18,040	20,209	34,461	41,245	17,374
Total Operating Expenses	46,193	46,765	58,088	64,227	36,175
Operating Income	19,154	12,520	20,305	27,721	16,417
EBT Excluding Unusual Items	19,154	12,520	20,305	27,721	16,417
Pretax Income	19,142	12,508	20,293	27,721	16,417
Income Tax Expense	2,979	2,077	3,242	-	-
Net Income	16,163	10,431	17,052	27,721	16,417
Net Income to Common	16,163	10,431	17,052	27,721	16,417
Net Income Growth	54.95%	-38.83%	-38.49%	68.85%	64.03%
Shares Outstanding (Basic)	36	36	36	36	36
Shares Outstanding (Diluted)	36	36	36	36	36
EPS (Basic)	448.21	289.26	472.85	768.73	455.26
EPS (Diluted)	448.21	289.26	472.85	768.73	455.26
EPS Growth	54.95%	-38.83%	-38.49%	68.85%	64.03%
Free Cash Flow	27,020	44,265	-51,444	86,608	9,386
Free Cash Flow Per Share	749.29	1227.50	-1426.58	2401.68	260.29
Dividend Per Share	-	130.170	212.780	346.000	204.870
Dividend Growth	-	-38.82%	-38.50%	68.89%	-
Operating Margin	29.31%	21.12%	25.90%	30.15%	31.22%
Profit Margin	24.73%	17.59%	21.75%	30.15%	31.22%
Free Cash Flow Margin	41.35%	74.66%	-65.62%	94.19%	17.85%
Effective Tax Rate	15.56%	16.61%	15.97%	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.