Banco de Occidente 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 Income on Loans	6,709,288	6,342,066	7,015,872	7,215,219	4,371,074	2,564,823
Interest Income on Investments	753,740	753,740	564,617	523,241	325,807	180,273
Total Interest Income	7,463,028	7,095,806	7,580,489	7,738,460	4,696,881	2,745,096
Interest Paid on Deposits	3,979,274	3,473,367	4,026,935	4,346,644	1,912,314	494,151
Interest Paid on Borrowings	1,314,001	1,314,001	1,219,006	1,148,709	579,101	275,469
Total Interest Expense	5,293,275	4,787,368	5,245,941	5,495,353	2,491,415	769,620
Net Interest Income	2,169,753	2,308,438	2,334,548	2,243,107	2,205,466	1,975,476
Net Interest Income Growth	-5.57%	-1.12%	4.08%	1.71%	11.64%	4.29%
Income From Trading Activities	1,199,647	890,050	652,590	629,469	19,343	-67,782
Gain (Loss) on Sale of Assets	9,577	8,917	2,950	25,198	15,968	16,971
Gain (Loss) on Sale of Investments	4,608	5,558	-2,435	-12,445	-28,970	1,345
Gain (Loss) on Sale of Equity Investments	302,101	250,881	230,687	218,882	122,041	245,863
Other Non-Interest Income	781,146	818,606	880,993	568,052	791,770	836,239
Total Non-Interest Income	2,297,079	1,974,012	1,764,785	1,429,156	920,152	1,032,636
Non-Interest Income Growth	21.00%	11.86%	23.48%	55.32%	-10.89%	-11.54%
Revenues Before Loan Losses	4,466,832	4,282,450	4,099,333	3,672,263	3,125,618	3,008,112
Provision for Loan Losses	1,185,913	1,214,428	1,354,479	1,195,579	745,219	723,644
Revenue	3,280,919	3,068,022	2,744,854	2,476,684	2,380,399	2,284,468
Revenue Growth	11.61%	11.77%	10.83%	4.04%	4.20%	18.72%
Salaries and Employee Benefits	1,024,594	1,037,412	948,793	867,105	811,302	759,171
Occupancy Expenses	139,275	134,575	123,280	111,082	106,967	100,670
Amortization of Goodwill & Intangibles	119,368	107,102	85,548	74,763	55,988	45,312
Selling, General & Administrative	1,209,131	1,196,787	1,048,366	954,913	826,462	730,655
Other Non-Interest Expense	142,484	31,203	15,800	32,479	35,045	4,226
Total Non-Interest Expense	2,655,175	2,512,203	2,225,831	2,043,800	1,837,335	1,641,349
EBT Excluding Unusual Items	625,744	555,819	519,023	432,884	543,064	643,119
Asset Writedown	41,921	35,071	14,200	19,328	30,735	17,691
Pretax Income	664,474	590,890	533,223	452,212	573,799	660,810
Income Tax Expense	59,548	8,752	52,176	-27,345	117,456	74,903
Earnings From Continuing Operations	604,926	582,138	481,047	479,557	456,343	585,907
Minority Interest in Earnings	-7,099	-7,322	-7,516	-6,010	-3,834	-5,685
Net Income	597,827	574,816	473,531	473,547	452,509	580,222
Net Income to Common	597,827	574,816	473,531	473,547	452,509	580,222
Net Income Growth	11.30%	21.39%	-0.00%	4.65%	-22.01%	73.26%
Basic Shares Outstanding	156	156	156	156	156	156
Diluted Shares Outstanding	156	156	156	156	156	156
Shares Change	-	-	-	-	-	-
EPS (Basic)	3834.69	3687.09	3037.41	3037.51	2902.56	3721.76
EPS (Diluted)	3834.69	3687.09	3037.41	3037.51	2902.56	3721.76
EPS Growth	11.30%	21.39%	-0.00%	4.65%	-22.01%	73.26%

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
Effective Tax Rate	8.96%	1.48%	9.79%	-	20.47%	11.34%