3Q19 EARNINGS RESULTS Investors Relations – 3Q19 Results1 KEY SUBJECTS 3Q 2019 Credit cycle improvement ● The trend of the portfolio is positive. ● Past Due Loans continue to go down and coverage is higher. ● The cost of credit will be around 1.8% for 2019. Evolution of Fees · Sustained growth driven by debit, credit cards, bancassurance and asset management. · Continued expansion of the client base and higher volume of transactions. Digital strategy · Bancolombia adds 150k customers / month and 16% of its ...