Chapter 4. at the Service. We support. of Customers. We Stand by and Support our Customers Opportunities for Growth. Our Bank,

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1 Alexandra Hernández ans Javier Matta- Main Branch Clients at the Service Our Bank, of Customers We Stand by and Support our Customers Opportunities for Growth Chapter 4 We support

2 4. Our Bank, at the Service of Customers Our Banks Corporate Banking Leading the Way in National Development Corporate Banking Sales Team Composition of the Corporate Banking Portfolio by Economic Activity Sector Source: Sector Risk Report, June 2014 Loans Continue to Grow for Medium-sized Businesses 6.02% 5.89% 4.55% 14.04% 0.73% 13.66% 8.28% 6.90% 14.43% 3.19% 4.09% 8.62% 9.60% Agriculture and Fisheries Food and Beverage Coal and Hydrocarbons Commerce Communications and Transport Civil and Construction Works Regional Authorities Investors Machinery and Equipment Minerals Chemicals, Rubber and Plastics Services Textiles and Apparels Total Clients 3, Management Report 2014 First Half 57

3 Infrastructure and industry, the key levers for growth We Offer Specialized Collections Channels Facilpass, Transaction Flexibility for Transporters in the Revolving Credit, Flexible Financing for Businesspeople We Continue Innovating Facilpass Banco de Bogotá, Bogotá D.C. - Villavicencio Route 58 Management Report 2014 First Half 59

4 We Support the Country s Growth We Contribute to Energy Development Our Loans Support Environmental Sustainability Morelco, Western Pipeline Ciudad Verde, Soacha. We Promote the Construction of a Better Society 60 Management Report 2014 First Half 61

5 Governmental and Institutional Banking We form part of the Empresa de Telecomunicaciones de Bogotá (Bogotá Telecommunications Company) Experience Stores. We Make Valuation Tax Refunds Easier We Support Reconciliation and the Construction of Peace Government Payroll Loans Financial Education for Our Clients The Bank was awarded the Francisco de Paula Santander Military Logistical Merit Medal for the work carried out with the armed forces. 62 Management Report 2014 First Half 63

6 Improving Customer Loyalty Financial Education Sessions Ibagué Regional and Decentralized Entities Online Municipalities Project (MEL, in its Spanish Acronym) In Cesar: La Jagua de Ibirico, Becerril, Agustín, Codazzi Garzón/Huila Yopal/Casanare Arauca/Arauca Support for Municipal Development Municipalities Enrolled - MEL Project 64 Management Report 2014 First Half 65

7 Social Banking Cafetera Savings Account Cafetera Savings Account Pinturas Prime, SME Gacela 2013 Award winner SME Banking We support our customers to make their business projects a reality More Services for Colombian Coffee Growers 666 Management Report 2014 First Half 67

8 Industrias Metálicas Visbal, SME Banking client We Make SME Dynamics Easier Pinturas Prime, SME Gacela 2013 Award winner Microenterprise Banking Through Progress, We Build a Country Together and 68 Management Report 2014 First Half 69

9 and Personal Banking Calima Branch, Bogotá D.C. a new website that gives young people a products and learn more Microfinance Banking We Support financial inclusion in Colombia with a self-sustaining model 70 Management Report 2014 First Half 71

10 We Encourage Children to Save More Benefits for Our Customers We Make Our Processes Quicker and Easier Premium Banking We Continue to Consolidate and Expand Premium Banking Cartagena Premium Branch Preferential Banking 72 Management Report 2014 First Half 73

11 Debit Card More Partnerships for Our Customers Products and Services 75

12 Prepaid Cards Credit Cards We Continue to Grow and Increase Our Share portfolio growth, exceeding COP 2 trillion. La Meta es Disfrutar, Tarjeta de Crédito Joven. Unicentro Cali Credit Card, The Bank of the Future Google Glass application for a Latin American Financial entity. Flotas Card New Products for Our Customers the Tarjeta Flotas Banco de Bogotá 76 Management Report 2014 First Half 77

13 Mortgages We continue to help Colombians become homeowners. In the first semester of the year, we made more than 3,300 disbursements for over COP 370,000 million, of which 75% corresponds to home loans, 19% to debt consolidation and 6% to family home leasing. Of total disbursements made, around 800 were aimed towards purchase of housing with the FRECH rate, for a total of around 70,000 million. We thus continue with our commitment to the Government s Plan to Promote Productivity and Employment. In line with our positioning strategy, between February and June of 2014 we participated in 10 real estate fairs in 8 of the Support for Government Programs country s main cities, potentially generating COP 176 billion in home loans. In regards to Construction Loans, in this period we received over 100 requests, for a total of close to COP 950,000 million, of which we approved more than 60 credits for an amount of close to COP 350,000 million and we disbursed more than COP 60,000 million, which corresponds to the financing of 42 housing construction projects. Insurance New Products for Our Customers 78 Management Report 2014 First Half 79

14 Accidents Results Interbank Business Payroll Payroll Loans 80 Management Report 2014 First Half 81

15 Unidad de Vehículos Vehicles Unit Placement Results Strengthening Relationships with Associated Dealers Cash and Foreign Currency 82 Management Report 2014 First Half

16 Local public debt was subject to 84 Management Report 2014 First Half 85

17 Employees 837 Clients 800 Foreign Currency Exchange Portfolio Rate Regime Employees 254 IBR B Premium Clients 168 Economy and Markets 86 Management Report 2014 First Half 87

18 Physical Channels Banco de Bogotá s National Presence 700 Región North-East Región 1,706 1,817 Central 50 4,273 Región Colombia Región Incluye San Andrés North Service Channels Región Bogotá* Región East Región South-West Región South 11 Figure that represents a national coverage of 45%

19 Payroll Loan Service Centers Offices designed for our customers Main Branch, Bogotá D.C. ATMs 1,532 1,688 1, Management Report 2014 First Half 91

20 Self-Service Areas Banking Correspondents 1,533 1,703 1,817 Self Service Area 2,423,340 3,430,114 42% 92 Management Report 2014 First Half 93

21 Virtual Channels Personal Internet Banking Mobile Banking than PSE Internet Businesses 94 Management Report 2014 First Half 95

22 Mobile Sales Force Total BAC Credomatic ,580 2,208 Central American Channels Guatemala Honduras Total Service Centers Total Service Centers BAC Credomatic Panamá El Salvador Nicaragua Total Service Centers Total Service Centers Costa Rica Total Service Centers Panama Total Service Centers Management Report 2014 First Half 97

23 Customer Service We had always dreamed of having a large house with a yard, where our children could enjoy the space and have a pet. Thanks to the Bank s timely support, we were able to get the financing we needed at a good rate, which allowed us to make this dream a reality for our family. Alexandra Hernández and Javier Matta- Main Branch Clients 98 Management Report 2014 First Half 99