4Q19 EARNINGS RESULTS 1 Investor Relations– 4Q19 Results Key Subjects 4Q 2019 Macroeconomic Perspective | --- | --- | --- | |--------|-------|-------| | | | | | | | C | | Loan | | | | | | | | Demand | | | Credit Cycle Performance Opex Evolution Business Transformation 2 Business Evolution 2019 Financial Inclusion Colombia ● +700,000 new customers in "Bancolombia a la Mano" ● +91,000 Micro-business customers ● + 120,000 National money orders ● "Credito a la Mano": Over COP$107 BN in disbursements ● Mortgage ...