Grupo Cibest (CIBEST) Corporate presentation summary

Corporate structure and business model

• Operates as a regional financial group with a flexible structure, enabling efficient capital allocation and scalable, client-centric solutions across Latin America.

• Main subsidiaries include Bancolombia, Banistmo, Bancoagrícola, Bam, and digital platforms like Nequi, Wompi, and Wenia.

• Holds leading market positions in Colombia, El Salvador, and Guatemala, with significant market shares in loans and deposits.

• Emphasizes innovation, operational excellence, and sustainable value creation as core strategic pillars.

• Listed on both the NYSE and BVC, with a Level III ADR program.

Financial performance and key figures

• Total assets reached USD 101.1 billion, with total loans at USD 68.2 billion and deposits at USD 70.4 billion as of 2025.

• Net profit for 2025 was USD 943 million, with over 32 million clients and 33,951 employees.

• Consolidated ROE was 17.2% including Banistmo, and 9.1% excluding Banistmo.

• Asset growth was 2.0% year-over-year, while equity declined by 9.0% in 2025.

• Net income decreased by 39% in 2025 compared to 2024, with a reported ROA of 2.0%.

Subsidiary highlights

• Bancolombia leads in Colombia with a 27.5% market share in loans and 26.3% in deposits, serving over 16.3 million clients.

• Bancoagrícola is the largest in El Salvador, with a 24.8% loan market share and 25.3% in deposits, serving 1.8 million clients.

• Bam is the fourth largest in Guatemala, with a 9.5% loan market share and 7.5% in deposits.

• Digital platforms like Nequi and Wompi have driven strong user growth and early breakeven, with Nequi surpassing 27.4 million users.

• Wenia launched a stablecoin (COPW) and reached USD 19.4 million in assets under custody.