KEY FIGURES

22,052 employees
27 countries
More than 12 million customers
Data as of December 31st, 2025

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KEY FINANCIALS - PARENT COMPANY RESULTS

       in KMAD
Business Activity2025202420232022202120202019
Customer Loans292,841,066271,414,638246,950,715228,432,193211,123,105207,577,423199,389,610
Customer Deposits365,270,379334,753,563294,125,130273,892,280261,096,974245,156,343233,128,874
Financial position2025202420232022202120202019
Total assets520,516,908482,129,974424,423,035400,325,782386,733,229380,511,758360,797,755
Share Capital2,151,4082,151,4082,151,4082,151,4082,098,5972,098,5972,098,597
Results2025202420232022202120202019
Net Interest Margin11,821,36010,428,9109,717,5498,726,2028,506,3458,283,4327,854,266
Net Fee Income3,081,3692,681,7132,384,2712,151,3782,010,6901,813,2621,936,804
Net Banking Income19,585,81317,683,48515,365,10413,475,01013,069,49012,184,60312,844,430
General Operating Expenses5,837,6745,405,2465,108,1604,853,2194,732,6234,826,9974,934,793
Gross Operating Income13,375,95311,903,5029,828,3417,973,5208,245,1987,050,2217,982,404
Net Operating Income11,942,0869,707,6487,822,4216,343,4385,898,4814,526,5546,999,962
Net Income7,649,2926,536,7945,146,2524,234,8404,099,4842,318,6184,840,111

KEY FINANCIALS - PARENT COMPANY RESULTS

          in KMAD
Business Activity 2018 2017 2016 2015 2014
Customer Loans 192,683,277 179,237,875 173,382,954 164,250,424 170,228,295
Customer Deposits 234,507,882 225,368,841 205,853,895 200,959,041 190,719,730
Financial position 2018 2017 2016 2015 2014
Total assets 350,620,082 319,371,242 299,526,626 288,120,647 288,818,390
Share Capital 2,098,597 2,035,272 2,035,272 2,035,272 2,035,272
Results 2018 2017 2016 2015 2014
Net Interest Margin 7,346,377 7,010,544 6,853,590 6,757,666 6,558,876
Net Fee Income 1,812,326 1,637,034 1,493,767 1,355,911 1,269,742
Net Banking Income 12,186,555 11,502,724 14,235,602 10,840,770 11,448,552
General Operating Expenses 4,717,433 4,507,747 4,285,515 4,121,966 3,926,742
Gross Operating Income 7,539,982 7,304,093 10,111,707 6,725,514 7,444,684
Net Operating Income 6,480,023 6,291,804 8,698,642 5,207,730 5,437,246
Net Income 4,603,983 4,158,011 6,935,048 3,665,418 3,544,114
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KEY FINANCIALS - CONSOLIDATED RESULTS

        in KMAD
Business Activity2025202420232022 R2022202120202019
Customer Deposits527,233,608480,478,661435,522,184411,376,856411,376,856380,852,248356,614,160335,576,694
Customer Loans447,885.567413,590,717392,649,653371,541,130374,568,037345,112,075333,702,415323,752,579
Financial position2025202420232022 R2022202120202019
Total assets795,461,302726,492,948659,005,886625,149,124630,417,980596,325,836568,107,651532,601,713
Shareholder's Equity80,490,37072,502,83466,705,95862,864,56662,125,43659,792,42154,292,98553,925,039
Results2025202420232022 R2022202120202019
Net Interest Margin21,112,31219,721,32418,433,39116,319,13317,350,03016,170,37615,784,98314,936,645
Net Fee Income7,126,4506,671,4626,421,0105,776,1185,776,1185,192,3864,771,1805,147,890
Net Banking Income34,921,38434,507,11729,942,72325,935,49426,313,49524,379,62923,858,06323,472,778
General Operating Expenses-11,799,244-11,078,430-10,800,597-9,679,664-10,266,018-9,858,112-10,617,948-9,678,920
Gross Operating Income21,698,81122,043,66017,752,94914,802,57314,594,22013,090,34411,623,47312,249,668
Cost of risk-3,664,557-4,210,257-3,982,035-3,187,884-3,194,758-3,606,838-5,454,385-1,589,044
Net Income12,368,27111,682,7749,063,4207,558,2657,458,6096,156,7663,705,0286,951,093
Net Income Group Share10,644,8529,504,4867,507,6056,102,5986,065,2825,144,4613,018,0025,816,007

KEY FINANCIALS - CONSOLIDATED REPORTS

            in KMAD
Business Activity 2018 FTA 2018 2017 2016 2015 2014
Customer Deposits 332,005,586 316,210,403 316,210,403 286,264,527 274,514,736 257,881,178
Customer Loans 305,059,677 279,682,245 285,995,046 271,627,179 252,918,815 255,056,498
Financial position 2018 FTA 2018 2017 2016 2015 2014
Total assets 509,925,715 471,474,889 475,660,126 428,766,067 411,078,692 401,843,640
Shareholder's Equity 50,471,394 46,058,720 50,801,048 47,411,083 41,229,157 40,401,977
Results 2018 FTA 2018 2017 2016 2015 2014
Net Interest Margin 13,994,695 12,908,326 12,908,326 11,612,899 11,400,934 11,026,273
Net Fee Income 5,034,348 4,786,997 4,786,997 4,418,274 4,040,284 3,875,163
Net Banking Income 22,370,716 21,644,776 21,644,776 19,673,327 18,997,018 19,449,755
General Operating Expenses -10,713,108 -9,980,845 -9 043 552 -8,246,893 -7,959,562 -7,680,810
Gross Operating Income 11,657,608 11,663,931 11,663,931 10,530,429 10,186,295 10,940,982
Cost of risk -1,723,565 -2,168,124 -2,168,124 -2,001,359 -2,217,045 -3,034,430
Net Income 6,735,205 6,583,965 6,583,965 5,653,125 5,300,168 5,140,484
Net Income Group Share 5,706,129 5,390,902 5,390,902 4,757,421 4,501,781 4,355,244