BVC:CREDIFAMI Income Statement

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

Millions COP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	78,155	77,904	70,714	59,933	51,358	45,033
Total Interest Expense	48,384	52,881	48,715	28,830	20,179	18,782
Net Interest Income	29,771	25,023	22,000	31,103	31,179	26,251
Commissions and Fees	4,357	3,609	3,080	2,403	2,000	2,106
Gain (Loss) on Sale of Investments	1,773	1,837	1,517	2,955	996.76	1,453
Other Revenue	34,219	36,727	59,340	63,167	22,144	6,133
Revenue Before Loan Losses	70,119	67,196	85,937	99,628	56,320	35,943
Provision for Loan Losses	8,109	7,910	7,544	7,680	3,728	5,336
Revenue	62,009	59,285	78,393	91,948	52,592	30,607
Revenue Growth (YoY)	-2.62%	-24.37%	-14.74%	74.83%	71.83%	-18.46%
Salaries & Employee Benefits	16,607	15,979	14,599	11,933	10,346	8,744
Cost of Services Provided	10,910	10,910	9,013	10,925	8,381	13,741
Other Operating Expenses	16,705	19,751	34,375	41,245	17,374	-2,005
Total Operating Expenses	44,403	46,765	58,088	64,227	36,175	21,064
Operating Income	17,606	12,520	20,305	27,721	16,417	9,543
EBT Excluding Unusual Items	17,538	12,520	20,305	27,721	16,417	10,009
Pretax Income	17,523	12,508	20,293	27,721	16,417	10,009
Income Tax Expense	2,616	2,077	3,242	-	-	-
Net Income	14,907	10,431	17,052	27,721	16,417	10,009
Net Income to Common	14,907	10,431	17,052	27,721	16,417	10,009
Net Income Growth	36.75%	-38.83%	-38.49%	68.85%	64.03%	15.29%
Shares Outstanding (Basic)	36	36	36	36	36	36
Shares Outstanding (Diluted)	36	36	36	36	36	36
Shares Change (YoY)	-0.00%	-	-	-	-	-
EPS (Basic)	413.37	289.26	472.85	768.73	455.26	277.55
EPS (Diluted)	413.37	289.26	472.85	768.73	455.26	277.55
EPS Growth	36.75%	-38.83%	-38.49%	68.85%	64.03%	15.29%
Free Cash Flow	50,661	39,141	-51,444	86,608	9,386	-47,411
Free Cash Flow Per Share	1404.86	1085.40	-1426.58	2401.68	260.29	-1314.74
Dividend Per Share	130.170	130.170	212.780	346.000	204.870	-
Dividend Growth	-38.82%	-38.82%	-38.50%	68.89%	-	-
Operating Margin	28.39%	21.12%	25.90%	30.15%	31.22%	31.18%
Profit Margin	24.04%	17.59%	21.75%	30.15%	31.22%	32.70%
Free Cash Flow Margin	81.70%	66.02%	-65.62%	94.19%	17.85%	-154.90%
Effective Tax Rate	14.93%	16.61%	15.97%	-	-	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.