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Bancoagrícola closes a year of progress in financial inclusion, sustainability, innovation, and community engagement. The institution presents its main milestones for 2025 and outlines its investment plan for 2026, aimed at strengthening technological modernization, expanding service coverage, and reinforcing the physical infrastructure that facilitates people’s lives and drives the economy.
As part of its 70th anniversary, Bancoagrícola reaffirms its role as an ally of the people and businesses that drive the country’s progress. Its value proposition includes a national network covering all 44 municipalities, with robust digital platforms that simplify access to the financial system and expand opportunities.
This year also marks a new corporate chapter with Grupo Cibest, a holding company that includes Bancoagrícola and other entities in the region, including Bancolombia. Grupo Cibest began formal operations in may 2025 and debuted with new shares on the Colombian Stock Exchange. Bancolombia, part of the holding company, celebrated its 150th anniversary and has been listed on the New York Stock Exchange for 30 years, a history that adds institutional strength and a vision for the future.
Businesses with Purpose
Between 2020 and 2025, Bancoagrícola mobilized more than $7.9 billion in Businesses with Purpose, with a goal of $18.126 billion by 2030. This strategic initiative finances projects that generate social, environmental, and economic impact.
• Productive fabric: $4,779.48 million
• Financial inclusion: $2,463.31 million
• Building sustainable cities and communities: $700 million
Additionally:
• Climate portfolio: 37 projects, 190.93 MW installed, 212,283 t CO₂ mitigated, and 471,298 MWh/year of clean energy.
• Water management: 286,633 m³/year in water efficiency.
• Sustainable coverage: Investment in a solar plant (US$4.86 million) and a treatment plant (US$1.21 million) to improve competitiveness and resilience.
These results link sustainability with productivity, facilitate responsible investments, and promote more resilient cities and communities.
Bancoagrícola: 15 Years Supporting Industry (ASI)
For the fifteenth consecutive year, the la Asociación Salvadoreña de Industriales recognized Bancoagrícola as a driver of local industry. The bank maintains comprehensive solutions that combine financing, specialized consulting, digital tools such as e-Business Banking, and sustainability criteria that help companies grow, generate employment, and compete with higher standards.
At the close of november, the gross loan portfolio reached $4,548.5 million and assets totaled $7,041.3 million.
Support for SME productivity with financing from IDB Invest and IFC
Access to productive credit was strengthened with two key partnerships in 2025. IDB Invest approved up to $150 million to expand the loan portfolio for micro, small, and medium-sized enterprises (MSMEs), focusing on sustainable projects. IFC, a member of the World Bank Group, announced another $150 million in support for MSMEs, with an emphasis on small businesses and ventures led by women and people over 50. These facilities increase liquidity, promote inclusion, and generate more employment throughout the country.
Financing of the first Blue Bond in El Salvador
Bancoagrícola is awaiting approval for the first Blue Bond issuance in the country, within the bank’s Sustainable Bond Framework. The program, totaling $200 million, prioritizes projects focused on efficient water management, conservation of aquatic ecosystems, and activities aligned with the blue economy. The operation has the technical support and participation of IDB Invest and represents a historic step for the national financial system.
Expansion of Banking Services
As of september 2025, mobile banking reached over 750,000 active digital customers. Digital loans totaled $105.5 million, a 12% increase compared to 2024, representing 25% of total consumer spending. DAP Digital Empresas was launched within e-business banking, a 100% digital investment alternative with attractive rates, which to date represents $99.5 million.
Nequi established itself as one of the most downloaded financial applications of the year. 30% of customers are new to banking, and 71% are under 35 years old. Over one million transactions were registered in their first year, and more than 700 businesses are affiliated in the metropolitan area.
As of september 2025, revenue exceeded $68 million, compared to $39 million for the same period the previous year. More than 30,000 businesses are affiliated, and over 990,000 transactions have been processed.
Agencies and Correspondents: The 800th financial correspondent branch was inaugurated in La Campanera, Soyapango, providing coverage in 100% of the country’s districts. The year ended with more than 890 financial correspondents, and the presence in the eastern region was strengthened with the opening of Plaza Mundo Usulután and Surf City, La Libertad. The network now comprises 62 branches and more than 1,800 service points. This nationwide network brings services to where people are, facilitates transactions without long journeys, and opens more opportunities for urban and rural communities to access the financial system.
Bancoagrícola also promoted sustainability in 2025 with concrete actions. Through its “La Cuenta del Mar” project, it benefited more than 850 people, generated 2,500 workdays, rehabilitated 13 km of canals, and stocked 200,000 shrimp postlarvae, strengthening ecosystems and the local economy. In addition, the bank continued its project, initiated in 2021, to incorporate solar energy into its buildings, reaching 14 branches and one administrative headquarters. This has prevented 590 tons of CO₂ emissions, equivalent to taking 140 vehicles off the road. This effort was highlighted in the “Actions That Speak” campaign as part of its environmental commitment.
Furthermore, Bancoagrícola became the first bank in El Salvador to obtain the Gender Equality Certification awarded by the Ministerio de Economía and the Organismo Salvadoreño de Normalización (OSN). Finally, it reaffirmed its cultural commitment with the 33rd edition of El Salvador, Un Rincón Mágico: El Salvador, el lenguaje de los volcanes, which celebrates national identity and promotes sustainable tourism.
2026 Investments
Bancoagrícola projects a strategic investment of approximately $22.42 million for 2026, 40% higher than the $15.99 million projected for 2025. The objective is to consolidate technological modernization, expand coverage, and strengthen physical infrastructure, with a direct impact on service quality, security, and financial inclusion.
Key Investments
• Technology: Over $11.36 million invested in product, channel, and payment environments, with secure and efficient platforms; $820,768 invested in customer environments; and $600,000 invested in enterprise functions.
• Regional Initiatives: $1.9 million, representing 410% growth, focused on key areas to bring services and solutions closer to communities.
• Physical Infrastructure: Opening a branch in Surf City with an additional $181,180 on top of the $394,251 invested in 2025.
• ATM Network: $960,665 invested for upgrades and increased availability, with improvements in security and user experience. In 2025, the company upgraded its fleet of 304 ATMs and acquired 50 new ATMs.
In 2026, the network will be strengthened with 75 additional ATMs
• Innovation and operational continuity: CRM, $800,000; high availability, $596,750; technological obsolescence, $590,346; corporate projects, $605,951.
These investments will enable faster, more secure, and more accessible services, with more service points and reliable digital channels. Businesses will have solutions to streamline payments and financing, while the upgraded infrastructure and high technological availability improve customer experience and expand access nationwide. This drives digital modernization, financial inclusion, and progress toward the Sustainable Development Goals.
Banco Agrícola reaffirms its commitment to promoting sustainable development as the foundation for collective well-being. Every investment, every project, and every innovation serves a common purpose: to improve people’s lives, boost the economy, and build a more prosperous and equitable future for all.
