CUSTOMER DEPOSITS (Tables)

12 Months Ended

Dec. 31, 2025

Disclosure of customer deposits [abstract]

Schedule of the balances of the deposits


Detail		December 31, 2025 ⁽¹⁾			December 31, 2024

Demand
Checking accounts		Ps.	23,598,235		Ps.	24,579,536
Savings accounts			88,238,541			79,614,904
Other deposits			462,545			347,910
		Ps.	112,299,321		Ps.	104,542,350

Term deposits
Fixed term deposit certificates ⁽²⁾			95,105,917			96,329,827
Total deposits		Ps.	207,405,238		Ps.	200,872,177

Per currency
In Colombian Pesos		Ps.	191,297,967		Ps.	168,771,838
In foreign currency			16,107,271			32,100,339
Total per currency		Ps.	207,405,238		Ps.	200,872,177

(1)

As of December 2025, the liabilities related to Multi Financial Group (MFG) were no longer presented line-by-line on the Consolidated Statements of Financial Position and were instead reported in a single line item within “Liabilities directly associated with non-current assets held for sale”, see note 13.A.

(2)

The amount of term deposits due over 12 months as December 31, 2025 is Ps. 19,631,973 and December 31, 2024 is Ps. 16,764,038.

Schedule of the effective interest rates which are accrued on customer deposits


December 31, 2025
		Deposits
		In Colombian Pesos				In foreign currency
		Rate				Rate
		Minimum		Maximum		Minimum		Maximum
		%		%		%		%
Interest-bearing checking accounts		0.01	%	9.00	%	0.03	%	4.08	%
Saving accounts		0.01	%	13.89	%	0.05	%	3.62	%
Fixed term deposit certificates		0.05	%	23.52	%	0.30	%	8.05	%


December 31, 2024
		Deposits
		In Colombian Pesos				In foreign currency
		Rate				Rate
		Minimum		Maximum		Minimum		Maximum
		%		%		%		%
Interest-bearing checking accounts		0.17	%	9.35	%	0.03	%	5.60	%
Saving accounts		0.01	%	13.78	%	0.05	%	5.00	%
Fixed term deposit certificates		0.05	%	23.52	%	0.30	%	9.00	%

Schedule of the concentration of deposits received from customers per economic sector


		December 31, 2025 ⁽¹⁾					December 31, 2024
		Amount			%		Amount			%
Financial		Ps.	42,261,563		20.4	%	Ps.	36,117,236		18.0	%
Government and Colombian Government entities			30,256,676		14.6	%		26,875,424		13.4	%
Individuals			29,269,112		14.1	%		31,559,768		15.7	%
Financial and insurance activities			23,078,620		11.1	%		19,700,240		9.8	%
Services			14,665,982		7.1	%		19,280,845		9.6	%
Insurance			13,112,460		6.3	%		14,226,539		7.1	%
Commerce			11,865,618		5.7	%		12,680,110		6.3	%
Real Estate			4,676,630		2.3	%		3,418,132		1.7	%
Manufacturing			4,022,403		1.9	%		3,056,218		1.5	%
Transport			2,421,100		1.2	%		287,384		0.1	%
Agriculture and livestock			2,250,173		1.1	%		1,556,711		0.8	%
Education			1,927,121		0.9	%		1,793,395		0.9	%
Colombian Municipalities			610,621		0.3	%		604,265		0.3	%
Artistic, entertainment and recreation activities			424,886		0.2	%		454,909		0.2	%
Exploitation of mines and quarries			418,288		0.2	%		1,226,516		0.6	%
Foreign Governments			270,985		0.1	%		867,311		0.4	%
Telecommunications			130,018		0.1	%		217,656		0.1	%
Tourism			1		0.0	%		83,289		0.1	%
Other			25,742,981		12.4	%		26,866,229		13.4	%
Total		Ps.	207,405,238		100	%	Ps.	200,872,177		100	%

(1)

As of December 2025, the liabilities related to Multi Financial Group (MFG) were no longer presented line-by-line on the Consolidated Statements of Financial Position and were instead reported in a single line item within “Liabilities directly associated with non-current assets held for sale”, see note 13.A.