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CUSTOMER DEPOSITS (Tables)

12 Months Ended

Dec. 31, 2024

Disclosure of customer deposits [abstract]

Schedule of the balances of the deposits


Detail		December 31, 2024			December 31, 2023

Demand
Checking accounts		Ps.	24,579,536		Ps.	23,809,859
Savings accounts			79,614,904			71,149,883
Other funds on demand			347,910			430,194
		Ps	104,542,350		Ps.	95,389,936

Term deposits
Fixed term deposit certificates ⁽¹⁾			96,329,827			86,597,460
Total deposits		Ps.	200,872,177		Ps.	181,987,396

Per currency
In Colombian Pesos		Ps.	168,771,838		Ps.	154,916,985
In foreign currency			32,100,339			27,070,411
Total per currency		Ps.	200,872,177		Ps.	181,987,396

(1)

The amount of term deposits due over 12 months as December 31, 2024 is Ps. 16,764,038 and December 31, 2023 is Ps. 19,732,877.

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


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	%


December 31, 2023
		Deposits
		In Colombian Pesos				In foreign currency
		Rate				Rate
		Minimum		Maximum		Minimum		Maximum
		%		%		%		%
Interest-bearing checking accounts		0.11	%	13.40	%	0.25	%	5.30	%
Saving accounts		0.01	%	16.13	%	0.25	%	5.30	%
Fixed term deposit certificates		0.05	%	23.52	%	0.45	%	8.46	%

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


		December 31, 2024					December 31, 2023
		Amount			%		Amount			%
Financial		Ps.	36,117,236		18.0	%	Ps.	33,873,473		18.6	%
Individuals			31,559,768		15.7	%		27,986,764		15.4	%
Government and Colombian Government entities			26,875,424		13.4	%		25,696,069		14.1	%
Financial and insurance activities			19,700,240		9.8	%		21,194,553		11.6	%
Services			19,280,845		9.6	%		17,303,980		9.5	%
Insurance			14,226,539		7.1	%		10,619,085		5.8	%
Commerce			12,680,110		6.3	%		10,390,440		5.7	%
Real Estate			3,418,132		1.7	%		9,252,682		5.1	%
Manufacturing			3,056,218		1.5	%		3,753,556		2.1	%
Education			1,793,395		0.9	%		1,794,592		1.0	%
Agriculture and livestock			1,556,711		0.8	%		2,210,914		1.2	%
Exploitation of mines and quarries			1,226,516		0.6	%		1,071,957		0.6	%
Foreign Governments			867,311		0.4	%		269,659		0.1	%
Colombian Municipalities			604,265		0.3	%		635,410		0.3	%
Artistic, entertainment and recreation activities			454,909		0.2	%		316,956		0.2	%
Transport			287,384		0.1	%		1,523,858		0.8	%
Telecommunications			217,656		0.1	%		234,786		0.1	%
Tourism			83,289		0.1	%		86,661		0.1	%
Other			26,866,229		13.4	%		13,772,001		7.7	%
Total		Ps.	200,872,177		100	%	Ps.	181,987,396		100	%