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Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Bancolombia
Bancolombia (CIB) investor relations material
Bancolombia Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary24 Feb, 2026
Executive summary
Achieved COP 3.8 trillion in net income and 9.1% ROE, impacted by a one-off COP 3.4 trillion impairment from Banistmo's divestment; excluding this, net income would have been COP 7.3 trillion and ROE 17.2%.
Digital businesses Nequi and Wompi reached breakeven in Q4, with digital platforms showing double-digit growth in users, transactions, and financial income.
Proposed dividend of COP 4.3 trillion (COP 4,512 per share), a 14.6% annual increase, with a 60% payout ratio, to be paid in four installments.
Share buyback program executed 31.9%-32% of authorized amount, supporting a 37% share price appreciation.
Corporate transformation, Banistmo divestment, and evolution into Grupo Cibest drove double-digit share price gains and improved market multiples.
Financial highlights
Loan portfolio declined 8.3% year-over-year due to Banistmo reclassification; excluding this, growth was 2.1%, and 7.2% when also excluding FX effects.
Deposits contracted 5.2% year-over-year, but grew 4.5% excluding Banistmo and 10.2% excluding FX effects.
Net interest income decreased 5.3% year-over-year, but increased 1% excluding accounting impacts; NIM was 6.1%-6.5% excluding Banistmo.
Net fee income rose 4.3% year-over-year, or 10.4% excluding accounting impacts, with strong sequential and annual growth.
Cost-to-income/efficiency ratio was 49.4%-50.4%, in line with guidance.
Outlook and guidance
2026 guidance: loan growth 7%-8%, NIM 6.8%-7%, cost of risk 1.6%-1.8%, efficiency ratio ~49%, and ROE 18%-18.5%.
Effective tax rate guidance set at 28%-30%, with extra provisions for potential new tax decrees.
Guidance incorporates higher interest rates, inflation, and macroeconomic uncertainty; macro assumptions include GDP growth 3.2%, inflation 6.4%, and policy rate 11%.
Nequi expected to grow users by 5%, loans by 50%, deposits by 10%, and total income by 40% in 2026.
Forward-looking statements highlight risks from macroeconomic changes, exchange rate volatility, and competitive pressures.
Underlying ROE trend excluding Banistmo sale
What drove the 4Q25 provision charge increase?
Which regional operation faces most significant headwinds?
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Next Bancolombia earnings date
Q1 20265 May, 2026
Bancolombia
Next Bancolombia earnings date
Q1 20265 May, 2026
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Frequently asked questions
Bancolombia S.A. is a financial institution based in Colombia, offering a broad range of banking products and services both domestically and internationally. The company operates through several segments including Banking Colombia, Banking Panama, Banking El Salvador, Banking Guatemala, Trust, Investment Banking, Brokerage, and International Banking. Its services encompass checking and savings accounts, various types of loans including personal and vehicle loans, as well as credit cards. Bancolombia also provides trade financing, financial and operating leasing services, and investment products. Additionally, the bank offers cash management services, foreign currency and trade finance solutions, and insurance products. The company is headquartered in Medellín, Colombia, and its shares are listed on the New York Stock Exchange.
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