Información para Accionistas | Banco de Occidente

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Causales de negación o modificación de créditos preabrobados

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General Organization Chart of the Bank

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Age: 48

Main member

Lawyer from Universidad Externado de Colombia, Specialist in Financial and Stock Market Law from the same university, Master in Economic Development from Universidad Carlos III de Madrid.

Previously, he served as Financial Superintendent of Colombia and Director of Fondo de Garantíasde Instituciones Financieras - Fogafín.

He has been a member of the Board of Directors of Banco de Occidente since March 2025, sits on the Board of Directors of Aval Fiduciaria S.A., Aval Casa de Bolsa S.A. and Redeban S.A., and is also Director of the Department of Economic Law at the Universidad Externado de Colombia and Professor (20 years) of Financial Law and Capital Markets at the Faculty of Finance, Government and International Relations of the same university.

Age: 75

Main member

Industrial Engineer from the Universidad de los Andes. Since 1991 he is a member of the Board of Directors of Banco de Occidente, and additionally, he is a member of the Board of Directors of: Global Seguros de Vida S.A., Fiduciaria Renta 4-Global S.A., Identidad Digital S.A.S, Fedesarrolloand Colfuturo.

Career or study name: Cybersecurity and privacy for companies

Expertise in: Sustainability and Cybersecurity

96% attendance at sessions.

Aged: 74

Senior Member

Lawyer from the Universidad de los Andes, with specializations in Commercial Law from the National University of Colombia and Comparative Law from New York University.

He has served on the Board of Directors of Banco de Occidente since 1993 and on the Boards of: Flexible Plastics and Coldecom Products.

96% attendance at sessions.

Age: 66

Senior Member

Medical Doctor of the Universidad Javeriana de Bogotá, with specialisations in Arthroscopic Surgery from New York University, Orthopaedics and Traumatology from the Universidad Javeriana and has studied Personalised Coaching, Investment Banking and Business Management.

He is a member of the Financial Committee, the Credit Committee and has been a member of the Board of Directors of Banco de Occidente since 2008. He is currently a member of the Board of Directors of the Colombian Society of Orthopaedic Surgery and Traumatology Scott, the Latin American Society of Knee Arthroscopy, the Latin American Society of Arthroscopy; Knee and Sport, and is a member of the Financial Committee of the Imbanaco Medical Centre and Promédico.

ESG Director Training Certificate awarded by IFC

Educational Institution: Universidad Javeriana

Name of Degree or Study: Personalised Coaching Investment Banking and Corporate Management

Knowledge in: Banking

100% attendance at sessions

Age: 67

Main member

Industrial Engineer from the Pontificia Universidad Javeriana in Bogotá, with a Master's Degree in Administration and Finance and a Specialisation in Marketing from EAFIT Medellín.

Currently, he is a member of the Board of Directors of: Grupo Fanalca, Alianza Fiduciaria, Imecauca, Zona Franca Palmaseca, Ciudad Limpia, RF Comunicaciones and ANDI. Member of the Board of Directors of Banco de Occidente since December 10, 2015 and currently serves as President of SUPERTEX S.A.

Knowledge in: Foreign trade

87% attendance to sessions.

Age: 58

Main member

Industrial Engineer from the University of Georgia, Ceo's Management Program of the Kellogg School of Management, He has served as Factory Engineer, Chief Cost Officer, Assistant Operations Manager, Commercial Manager and today, General Manager of Mayagüez S.A.

Member of the Board of Directors of Banco de Occidente since June 18, 2014

Certificate of ESG Director Training awarded by the IFC

Educational Institution: Kellogg school of management

Name of Career or study: CEO's Management program

91% attendance to the sessions

Age: 59

Main member

Economist from Universidad de los Andes with more than 27 years of experience in financial sector entities around risk supervision, adoption of Basel III principles, complex and transformational episodic transactions in corporate and consumer banking, corporate finance, and investment banking in Latin American markets. He is currently the Corporate Vice President of Risk at Grupo AVAL Acciones y Valores S.A.

100% attendance to the sessions*.

Age: 65

Senior member

Family Business. He has extensive administrative and commercial experience. Currently serves as President of the Board of Directors of the Casa de Colombia Foundation, Leader of the Association of Consular Ladies of Cali, member of the Financial Committee of the Tobias Emmanuel Institute, member of the Financial Committee of the Casa de Colombia Foundation, and member of the Treasury Committee of the Liceo de La Amistad.

Educational Institution: Colombia Capital Programme

Name of Career or study: Bond Issuance and Stock Market Information Mechanisms

Educational Institution: Ernst & Young

Name of Career or study: Transfer Pricing

100% attendance to the sessions.

Percentage since becoming a board member before the Superintendence of Finance

Ingeniero Civil de la Universidad Javeriana de Bogotá, con máster en Administración de Empresas, de Babson College de Wellesley, Estados Unidos, ha realizado programas con la Universidad Icesi de Ejecutivo de Alto Gobierno Municipal y con el Centro de Liderazgo y Gestión Transformative Business Leadership, adicionalmente ha hecho diferentes seminarios y cursos en estrategia, finanzas, mercadeo, innovación y procesos. Posee amplia experiencia en el sector financiero en diferentes cargos por más de 25 años, en el Banco trabaja desde el año 1994 como vicepresidente de Banca Empresarial, Oficial e Intermedia, en Abril de 2014 fue nombrado Vicepresidente de Empresas y en agosto de 2023 fue nombrado Presidente del Banco de Occidente. Actualmente pertenece a las siguientes Juntas Directivas: Corficolombiana, Consejo directivo del Anif y la Asobancaria.

Lawyer
Master’s in law, Economics, and Public Policy
Major in Law

Previous experience in the financial sector: 18 years
Experience at the Bank: 5 months

Leads the Bank’s legal management with a preventive and strategic approach, supporting decision-making in corporate governance, regulation, financial structuring, and the comprehensive management of legal matters and associated risks.

Industrial Engineer and MBA.

Previous experience: 9 years as manager of the Banco de Occidente Panamá and Occidental Bank Barbados.
Experience at the Bank: 11 months.

Leads the strategy and development of the corporate banking business, strengthening commercial relationships, sustainable growth, and risk management for the corporate segment in alignment with the Bank’s strategy.

Industrial Engineer and MBA

Bank experience: 6 years

Previous experience in the Aval Group: 12 years

It guides and directs the financial policies and procedures that enable compliance with the objectives in terms of financial planning, budgeting, financial analysis, pricing, profitability, profitability, accounting and taxation, and is also responsible for corporate transformation in line with the strategy defined for the business, through the orientation and monitoring of high-value projects both in terms of profits and efficiency, advanced analytics, data governance, the development of increasingly digital services and the deployment of the strategy, seeking alignment and ownership of the strategy by the employees of Our Bank.

Business Administrator Experience at the Bank: 4 years

Previous experience at Grupo Aval: 8 years

Responsible for defining strategic plans to develop lasting and profitable relationships with affluent individuals, originating in places where demand is generated (vehicle dealerships and construction companies) and deepened through a service value proposition and investment, financing and insurance products. It is also responsible for customer segmentation, development of value propositions, measurement of product profitability, business intelligence, monitoring of customer experience, development of services and monitoring of these in the different physical and electronic channels, as well as defining strategies for activation, use and billing through credit and debit cards, and generating profits from the return of commissions, resulting from the placement of insurance policies that minimise the risk exposure of the Bank and our customers.

Electronic and Telecommunications Engineer
Master’s in Electronic and Computer Engineering
Executive Master in Technological Innovation

Previous experience in Grupo Aval: 3 years
Experience at the Bank: 1 year

Leads operations and technology, promoting technological modernization, operational efficiency, service continuity, digital channel optimization, and innovation to strengthen customer experience and operational sustainability.

Civil Engineer, MBA

He has been vice-president for 6 years, previous experience in Grupo Aval: 10 years

He leads the processes necessary for granting credit, through the analysis of general market information, customer financial data and regulatory and control entities, seeking low risk and maximum profitability in the commercial and consumer segments. It coordinates the processes of evaluation, portfolio rating, estimation of expected loss and determines the corresponding provisions.

Industrial, Systems and Computer Engineer from Universidad de los Andes

Master in Financial Economics at Oxford University.

Experience in the Bank: 4 months

Responsible for the administration and management of operational, credit, market, liquidity, balance sheet, money laundering, security, SOX and mass collection risks.

Industrial Engineer
Training in Strategic Management and Strategic Talent Development

Experience at the Bank: 30 years

Leads human talent management and organizational administration to strengthen capabilities, culture, well-being, and leadership, ensuring the conditions that enable performance, productivity, and organizational sustainability.

Es ingeniero Industrial con una especialización en finanzas y mercados de capitales que cuenta con más de 22 años de experiencia profesional en el sector financiero orientado a la evaluación de riesgos y controles relacionados con sistemas de control interno y auditoria (Planeación, ejecución y finalización de procesos de auditoría). En el transcurso de su carrera, ha sido parte de los equipos de auditoria en Banco Santander Colombia S.A., CorpBanca Helm S.A. , Banco Santander de Negocios Colombia S.A. y en los últimos cinco años, ha sido parte de los equipos de auditoría de empresas del Grupo Aval tales como Banco de Bogotá. S.A., Almaviva S.A. y Fiduciaria Bogotá S.A. También fue consultor independiente a nivel organizacional, operativo y administrativos y de gestión de riesgos en empresas del sector real.

Semiannual Financial Statement as of December 31, 2016

Semiannual Financial Statement as of December 31, 2015

Semiannual Financial Statement as of June 30, 2015

Semiannual Financial Statement as of December 31, 2014

Semiannual Financial Statement as of June 30, 2014

Semiannual Financial Statement as of December 31, 2013

Semiannual Financial Statement as of June 30, 2013

Semiannual Financial Statement as of June 30, 2012

Semiannual Financial Statement as of December 31, 2011

Semiannual Financial Statement as of June 30, 2011

Consolidated Financial Statement as of December 31, 202 5

Consolidated Financial Statement as of December 31, 2024

Consolidated Financial Statement as of December 31, 2023

Consolidated Financial Statement as of December 31, 2022

Consolidated Financial Statement as of December 31, 2021

Consolidated Financial Statement as of December 31, 2020

Consolidated Financial Statement as of December 31, 2019

Consolidated Financial Statement as of December 31, 2018

Consolidated Financial Statement as of December 31, 2017

Estado Financiero Semestral Consolidado a Diciembre 31 de 2016

Estado Financiero Semestral Consolidado a Junio de 2016

Estado Financiero Semestral Consolidado a Diciembre 31 de 2015

Estado Financiero Semestral Consolidado a Junio de 2015

Estado Financiero Semestral Consolidado a Diciembre 31 de 2014

Estado Financiero Semestral Consolidado a Junio de 2014

Estado Financiero Semestral Consolidado a Diciembre 31 de 2013

Estado Financiero Semestral Consolidado a Junio de 2013

Estado Financiero Semestral Consolidado a Diciembre 31 de 2012

Estado Financiero Semestral Consolidado a Junio 30 de 2012

Estado Financiero Semestral Consolidado a Diciembre 31 de 2011

Estado Financiero Semestral Consolidado a Junio 30 de 2011

Estado Financiero Semestral Consolidado a Diciembre 31 de 2010

Quarterly Financial Statement (January - March 2026)

Quarterly Financial Statement (July - September 2025)

Quarterly Financial Statement (April - June 2025)

Quarterly Financial Statement (January - March 2025)

Quarterly Financial Statement (July - September 2024)

Quarterly Financial Statement (April - June 2024)

Quarterly Financial Statement (January - March 2024)

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Tabla de descargas
Título del informe	Descargar
Certificado de No Servicio Profesional Adicional del Revisor Fiscal
Contrato Revisoría Fiscal
Código del Buen Gobierno Corporativo
Designación de Revisor Fiscal
Estatutos del Banco
Informes de Gobierno Corporativo
Lavado de Activos - FATCA
Manuales de Conflicto de Interés y Riesgos de Conglomerados
Marco de Referencia de Relaciones Institucionales
Mejores Prácticas Corporativas
Política de Nombramientos y Retribuciones de la Junta Directiva
Principio de ética y solución de conflictos
Procedimiento para Solicitar Auditorias Especializadas
Reglamento Asamblea de Accionistas
Reglamento Comité Auditoría
Reglamento Comité de Crédito
Reglamento Comité de Nombramientos y Retribuciones y de Gobierno Corporativo (CNRGC)
Reglamento del Comité Integral de Riesgos
Reglamento Junta Directiva

Asamblea General Extraordinaria de Accionistas

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Notice Ordinary General Shareholders' Meeting

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Standard proxy model for Shareholders' Meeting

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Technical Guide General Assembly of Shareholders

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Principles, Duties and Rights of Shareholders

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Certificate of Shares in Circulation

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Procedure to Request Audits

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Informe Asamblea Marzo 2026

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March 2025 Assembly Report

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Assembly Report March 2024

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Assembly Report March 2023

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Assembly Report March 2022

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Assembly Report March 2021

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No.	DOC.	ID	NOMBRE	SALDO TOTAL	% PARTICIPACIÓN
1	NIT	8002161815	GRUPO AVAL ACCIONES Y VALORES S.A.	113.397.948	72,74%
2	NIT	9002571798	INVERSIONES ESCORIAL S.A.S	9.572.503	6,14%
3	CC	17185193	MEJIA CABAL IVAN FELIPE	9.363.231	6,01%
4	NIT	8301136013	ACTIUNIDOS S.A.S	6.948.950	4,46%
5	NIT	9005280722	INDUVALORES S.A.S	2.721.725	1,75%
6	NIT	8605036173	SEGUROS DE VIDA ALFA S.A.	1.994.361	1,28%
7	NIT	8301136038	RENDIFIN S.A.	1.833.814	1,18%
8	NIT	8909039102	RADIO CADENA NACIONAL S.A.S.	971.759	0,62%
9	NIT	9020145487	MAROAO S.A.S	936.911	0,60%
10	NIT	9006313354	FRANJO INVERSIONES S.A.S.	900.000	0,58%
11	NIT	8903164681	JOSE A. RAFFO Y CIA. S. EN C.	841.534	0,54%
12	NIT	8903184094	EDUARDO ROMERO CORREA HOLGUIN & CIA. S.A.S.	553.112	0,35%
13	NIT	9019616483	LAREK REDI S.A.S.	449.810	0,29%
14	NIT	9019595084	VELTIS S.A.S.	449.809	0,29%
15	NIT	8600319798	SEGUROS ALFA S.A.	343.090	0,22%
16	NIT	8913032089	GUARDERIA SIXTA TULIA CABAL DE MEJIA	304.248	0,20%
17	NIT	8903019241	K. F. JENSEN S.A.S	257.922	0,17%
18	NIT	8300545390	PA GRUPO RG - ACCIONES	256.321	0,16%
19	CC	66783284	MEJIA DEL CASTILLO MARIA ISABEL	214.921	0,14%
20	NIT	8903084582	FONDO DE EMPLEADOS DEL BANCO DE OCCIDENTE	201.028	0,13%
21	NIT	8002446180	FIRMATCO S.A.S	187.146	0,12%
22	NIT	9013028791	SOCIEDAD ANGULO QUI ONES S.A.S.	180000	0,11%
22	NIT	9003302609	INVERSORA EN FINANZAS S.A.S.	170653	0,11%
23	NIT	9004500051	ENLILY S.A.S.	154.324	0,10%
24	CC	31144782	DEL CASTILLO DE MEJIA MARIA CRISTINA	132.140	0,08%
25	NIT	8002530552	SKANDIA FONDO DE PENSIONES OBLIGATORIAS - MODERADO	125.696	0,08%
26	NIT	8903111231	VICVEG S.A.S.	115.283	0,07%
27	NIT	9005640280	QUINSER S.A.S.	111.645	0,07%
28	NIT	8050037570	GUZMAN R. S.A.S.	95.840	0,06%
29	NIT	9000771337	SYM INVERSORES S.A.S.	92.573	0,06%
30	NIT	9005629911	LA SERRANIA DE GIRON S.A.S	92.573	0,06%
31	NIT	9005744372	BELIER INVERSORES S.A.S.	92.573	0,06%
32	NIT	9005744761	EL DESALMADERO S.A.S	92.573	0,06%
33

Date	Topic	Summary	Downloadable Annex
June 10-2026	Quarterly Periodic Report 2026 – I	Banco de Occidente attaches the English version of its periodic quarter-end report for the first quarter of 2026.	See annex
May 15-2025	Quarterly Periodic Report 2025 – II	Banco de Occidente attaches the English version of its periodic quarter-end report for the second quarter of 2025.	See annex
May 15-2025	Quarterly Periodic Report 2025 – I	Banco de Occidente hereby informs that it has executed the dividend payment corresponding to April 2025, in accordance with the terms set forth in the Profit Distribution Plan approved by the General Shareholders' Meeting held on March 26, 2025.	See annex

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Tabla de descargas
Título del informe	Descargar
Adendos
Anexo 1 - Certificados
Anexo 2 - Extracto Junta Directiva
Anexo 3 - Balances Filiales
Anexo 4 - Distribución Utilidades
Anexo 5 - Estados Financieros Consolidados
Anexo 6 - Estados Financieros Individuales
Anexo 7 - Aviso de Oferta y Macrotítulo
Avisos de Oferta Pública (2007)
Avisos de Oferta Pública (2011)
Certificaciones
Cuarta Emisión de Bonos Ordinarios Subordinados (2007)
Emisiones
Emisión Bonos 2010 - 2017
Emisión de Acciones Ordinarias (2007)
Emisión de Acciones Ordinarias (2011)
Final Offering Memorandum
Tercera Emisión de Bonos Ordinarios Subordinados (2006)

Reporte de Calificación - BRC Ratings 2025

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CartaSFC_Emisor_Bonos_BdO_RP2025

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Calificación Fitch Rating 2024

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Fitch Rating 2023

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BRC Ratings Rating - S&P Global S.A Securities Rating Society 2023

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Fitch Rating 2022

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BRC Ratings Rating - S&P Global S.A Securities Rating Society 2022

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BRC Investor Services S.A. Rating SCV 2021

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Fitch Rating 2020

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Standard & Poor's Rating 2020

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Fitch Rating 2019

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Standard & Poor's Rating 2019

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Fitch Rating

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Standard & Poor's Rating

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Investor information:
Fabio Jimenez Torres
Email: fjimenez@bancodeoccidente.com.co

Emissions information:
Juan Pablo Barney V
Treasury Manager
Email: jbarney@bancodeoccidente.com.co
Alejandro Cardeñosa Monroy
Legal Manager – Retail Banking, Staff, and Subsidiaries Email: acardenosa@bancodeoccidente.com.co

Deceval a BVC company