BVC:TIN 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	14,281	8,310	3,824	4,262	556.96	664.79
Total Interest Expense	9,426	9,219	3,039	507.58	554.87	392.42
Net Interest Income	4,855	-909.39	785.25	3,755	2.09	272.37
Commissions and Fees	22,307	21,535	13,339	12,974	18,930	17,145
Gain (Loss) on Sale of Investments	13,992	18,464	16,520	7,228	1,157	5,497
Other Revenue	1,717	2,456	1,998	1,730	594.11	1,529
Revenue Before Loan Losses	42,870	41,545	32,641	25,686	20,683	24,443
Revenue	42,870	41,545	32,641	25,686	20,683	24,443
Revenue Growth (YoY)	10.65%	27.28%	27.08%	24.19%	-15.38%	-27.32%
Salaries & Employee Benefits	16,632	15,566	12,067	10,399	10,647	10,891
Cost of Services Provided	2,503	2,585	2,501	2,321	2,094	1,438
Other Operating Expenses	3,126	3,116	2,484	2,493	3,680	2,513
Total Operating Expenses	23,393	22,249	17,835	16,089	17,464	16,012
Operating Income	19,477	19,296	14,806	9,597	3,219	8,431
Currency Exchange Gain (Loss)	-188.88	-84.91	-554.89	206.15	19.27	0.28
EBT Excluding Unusual Items	17,489	17,801	13,192	8,815	5,531	10,341
Gain (Loss) on Sale of Investments	-84.27	-	-	-54.07	18.49	14.85
Pretax Income	18,620	19,016	14,069	8,668	6,295	10,138
Income Tax Expense	6,256	6,788	5,509	3,020	2,131	3,375
Net Income	12,364	12,228	8,560	5,647	4,164	6,762
Net Income to Common	12,364	12,228	8,560	5,647	4,164	6,762
Net Income Growth	10.66%	42.85%	51.57%	35.64%	-38.43%	-56.03%
Shares Outstanding (Basic)	68	68	60	60	60	63
Shares Outstanding (Diluted)	68	68	60	60	60	63
Shares Change (YoY)	2.30%	13.41%	-0.00%	0.00%	-5.15%	10.15%
EPS (Basic)	182.14	180.14	143.01	94.35	69.56	107.16
EPS (Diluted)	182.14	180.14	143.01	94.35	69.56	107.16
EPS Growth	8.18%	25.96%	51.57%	35.64%	-35.09%	-60.08%
Free Cash Flow	56,071	-59,680	49,334	4,398	-2,896	29,086
Free Cash Flow Per Share	826.00	-879.16	824.23	73.48	-48.38	460.93
Dividend Per Share	-	-	-	-	-	211.240
Operating Margin	45.43%	46.45%	45.36%	37.36%	15.56%	34.49%
Profit Margin	28.84%	29.43%	26.22%	21.99%	20.13%	27.66%
Free Cash Flow Margin	130.79%	-143.65%	151.14%	17.12%	-14.00%	119.00%
Effective Tax Rate	33.60%	35.69%	39.16%	34.84%	33.86%	33.30%
Revenue as Reported	53,511	51,979	36,557	26,445	21,257	25,084