BVC:CREDIFAMI Income Statement

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

Millions COP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	77,397	77,725	77,904	70,714	59,933	51,358
Total Interest Expense	48,256	47,506	52,881	48,715	28,830	20,179
Net Interest Income	29,141	30,218	25,023	22,000	31,103	31,179
Commissions and Fees	5,294	4,758	3,609	3,080	2,403	2,000
Gain (Loss) on Sale of Investments	5,781	2,739	2,436	1,517	2,955	996.76
Other Revenue	34,937	35,439	36,129	59,340	63,167	22,144
Revenue Before Loan Losses	75,152	73,155	67,196	85,937	99,628	56,320
Provision for Loan Losses	7,577	7,808	7,910	7,544	7,680	3,728
Revenue	67,575	65,347	59,285	78,393	91,948	52,592
Revenue Growth	10.24%	10.22%	-24.37%	-14.74%	74.83%	71.83%
Salaries & Employee Benefits	16,879	16,473	15,979	14,599	11,933	10,346
Cost of Services Provided	12,038	11,511	10,452	8,926	10,925	8,381
Other Operating Expenses	19,531	18,040	20,209	34,461	41,245	17,374
Total Operating Expenses	48,552	46,193	46,765	58,088	64,227	36,175
Operating Income	19,023	19,154	12,520	20,305	27,721	16,417
EBT Excluding Unusual Items	19,023	19,154	12,520	20,305	27,721	16,417
Pretax Income	19,041	19,142	12,508	20,293	27,721	16,417
Income Tax Expense	2,962	2,979	2,077	3,242	-	-
Net Income	16,079	16,163	10,431	17,052	27,721	16,417
Net Income to Common	16,079	16,163	10,431	17,052	27,721	16,417
Net Income Growth	17.98%	54.95%	-38.83%	-38.49%	68.85%	64.03%
Shares Outstanding (Basic)	36	36	36	36	36	36
Shares Outstanding (Diluted)	36	36	36	36	36	36
Shares Change	0.01%	-	-	-	-	-
EPS (Basic)	445.86	448.21	289.26	472.85	768.73	455.26
EPS (Diluted)	445.86	448.21	289.26	472.85	768.73	455.26
EPS Growth	17.97%	54.95%	-38.83%	-38.49%	68.85%	64.03%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Free Cash Flow	56,934	27,020	44,265	-51,444	86,608	9,386
Free Cash Flow Per Share	1578.78	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	28.15%	29.31%	21.12%	25.90%	30.15%	31.22%
Profit Margin	23.79%	24.73%	17.59%	21.75%	30.15%	31.22%
Free Cash Flow Margin	84.25%	41.35%	74.66%	-65.62%	94.19%	17.85%
Effective Tax Rate	15.56%	15.56%	16.61%	15.97%	-	-