Investor Relations

 It's a variable-yield security that provides a fraction by which any person (individual or legal entity) participates in the share capital of the issuing company, converting it into a Shareholder and giving it a share in the company's profits. Moreover, shareholders get benefits for the valuation of the stock price in the Stock Exchange. It is called variable income because its profitability depends on the performance of the company and its profits generated, and variations in the price of the property on the stock market.

Regarding the sale of shares, it's worth mentioned that there are two ways for doing it:   

1. Through colombian stockbroker societies.

2. Through direct sale to a person or legal entity outside the securities exchange, given that the value of the transaction does not exceed 66.000 UVR's*. 

To execute the transaction some documents are required by BBVA's shareholder's office:

Common shares receive the economic benefits of the company and have voting rights in the general shareholders’ meeting.

It's the part of net profit that is paid periodically on each share at the end of a given fiscal year, which final assessment has been entrusted by law to the general shareholders' meeting.

According to the definition established by the Bolsa de Valores de Colombia, is the time between the date of dividend payment and the 4 trading days immediately preceding the date of the dividend payment. In that period, who buys shares has not right to receive dividends.

In Colombia, trading non-working days are holidays only.

It is a transaction by which a natural or legal person transfers the ownership of their share certificates to another. It can be direct or indirect.

It's the value per share to be set at the time of issuance.

It's the value per share determined by the Bolsa de Valores de Colombia based on supply and demand of the shares.

ORDINARY SHARES AND PREFERRED SHARES

BBVA has two types of shares: Ordinary and Preferred. Ordinary shares enjoy all the political and economic rights established by law, contemplated in the Colombian Code of Commerce.

Rights and obligations of preferred shareholders: Shares with preferred dividends and without voting rights confer on their holders the following rights and obligations:

• To be paid a minimum on the profits of each fiscal year, once the legal reserve has been constituted, before creating or increasing any other reserve, the preferred dividends fixed in the underwriting regulations on the subscription price of the share, under the terms provided in Article seven of the Issuance and Underwriting Regulation, which will be the equivalent of 5% of the subscription price of each share, provided that this rate exceeds the dividend declared for ordinary shares. Otherwise, said ordinary dividend will be recognized in favor of the preferred shareholders.
• Once the dividend referred to in the preceding numeral has been declared and the statutory and occasional reserves have been constituted, if the Shareholders' Meeting so disposes, the corresponding dividend will be declared in favor of the holders of ordinary shares and the holders of preferred shares, if applicable.
• In case of dissolution of the company and once the external liabilities have been paid, including the bonds convertible into shares, if any, their contributions will be reimbursed with preference over the holders of ordinary shares, including the additional paid-in capital.
• The right of preference in case of new issuances of shares with preferred dividends and without voting rights. However, in the event that only ordinary shares are issued, they will have the right to preferentially subscribe with respect to this type of ordinary shares.
• To request the convening of a meeting of holders of shares with preferred dividends and without voting rights, when requested by a number not less than 20% of the preferred shares in circulation, to deliberate and decide on matters of common interest.
• To appoint in the Assembly of Preferred Shareholders and in accordance with the Law, a representative to assist them in their rights before the Issuing Company.
• Shares with preferred dividends and without voting rights do not confer on their holder the right to participate in the Shareholders' Meetings and vote in them except in the following cases:

1. When dealing with modifying the regime provided in the bylaws for shares with preferred dividends.
2. When the anticipated dissolution, merger, transformation of the company, or change of its corporate purpose is to be voted on.
3. When the preferred dividends has not been paid in its entirety during two consecutive fiscal years and while this situation lasts, in the terms of the Law.
4. When the shareholders' meeting provides for the payment of dividends in bonus shares. In this event, the decision must be approved by the majority provided for in the Colombian Code of Commerce, which will include the favorable vote corresponding to eighty percent of the shares with preferred dividends.
5. When ordered by the Financial Superintendence when the administrators have concealed, by any mechanism, benefits that would have increased the liquid profits, distributable among the shareholders.
6. When the registration of these shares on the Stock Exchanges or in the National Securities Registry is suspended or canceled and while said situation lasts.

• To include the minimum preferred dividends on the purchase price of the share. Dividends will be paid in the offices of Banco Ganadero throughout the country and their periodicity and form of payment will be as disposed by the General Shareholder’s Assembly in the approval of the profit distribution project.

The late payment interest rate will be 1.2 times the current banking interest (Interés Bancario Corriente) certified by the Financial Superintendence of Colombia with the same periodicity established for the payment of the minimum dividends.

• The other rights contemplated in the law.
• The main obligations for preferred shareholders are those arising from the corresponding subscription contract, the bylaws, and the law.

At BBVA Colombia's website (www.bbva.com.co) you will find the direct link to "Investor Relarions", Financials section:

• Consolidated Annual Reports 
• Consolidated Quarterly Reports

Separate Financial Statements present the results of BBVA Colombia in individual operation. Consolidated financial statements present the results of BBVA Colombia and its subsidiaries: BBVA Asset Management and BBVA Valores.

Individual and consolidated Financial Statements are elaborated under Full IFRS according to the guidelines of the Superintendencia Financiera de Colombia (Colombia Superintendence of Finance), legal supervisor of BBVA's activities in Colombia.

At BBVA Colombia's website (www.bbva.com.co) you will find the direct link to "Investor Relations", Agenda, the calendar of events that will take place in our company.

At BBVA Colombia's website (www.bbva.com.co) you will find the direct link to "Investor Relations", you will find BBVA's Agenda, where we post each quarterly results presentation, as well as the recorded audio and the corresponding transcript.

Updated international and national ratings can be found into the website www.bbva.com.co, at the Investor Relations page under the link "Ratings".

The customer service team resolve your doubts, queries about operations or products and receive the specialized attention you need through our customer service channels. Bogotá 4010000, Medellin 4938300, Cali 8892020 and Barranquilla 3503500

You can find in the link https://www.bbva.com.co/personas/informacion-practica/tasas-y-tarifas.html

You can find in the link https://www.bbva.com.co/ to individuals, or https://www.bbva.com.co/empresas.html to legal entities

You can find the simulator of your interest in the link https://www.bbva.com.co/personas/digital-services/simuladores.html

You can find in the link https://www.bbva.com.co/personas/politicas-de-cobranzas.html