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Bancolombia (CIB) investor relations material
Bancolombia Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Net income attributable to shareholders for 3Q25 was COP 2.1 trillion, up 19.7% from 2Q25 and 42.8% from 3Q24, with quarterly annualized ROE at 20.4%, driven by resilient margins and improved asset quality.
Consumer loans and digital platforms like Nequi gained traction, supporting higher yields and achieving positive net income, marking a milestone in digital banking profitability.
The share buyback program, launched in July, executed 26.7% of the authorized amount by quarter-end, enhancing ROE and valuation metrics.
The new holding company structure and digital initiatives, including Breve and Nequi, position the group for sustained value creation.
Financial highlights
Net interest income was COP 5.3 trillion, up 1.5% quarter-over-quarter and 2.9% year-over-year, with NIM stable at 6.6%.
Loans grew 3.9% year-over-year and 0.1% quarter-over-quarter; deposits up 8.3% year-over-year but down 0.5% sequentially.
Net provisions dropped 24% quarter-over-quarter and 48% year-over-year, with cost of risk at 1.18%, the lowest in the past year.
Operating expenses decreased 2.4% quarter-over-quarter, with efficiency ratio at 48.5%.
Net fee and service income increased 4.1% from 2Q25 and 9.5% year-over-year, driven by payments, trust, and brokerage services.
Outlook and guidance
2025 year-end loan growth revised to 3.5% (6% net of FX), with 2026 guidance at 7%.
NIM expected at 6.5% for 2025 and 6.3%-6.5% for 2026; cost of risk projected at 1.5%-1.7% for 2025 and 1.6%-1.8% for 2026.
Operational efficiency forecast at 50%, with ROE guidance at 17% for 2025 and 16%-17% for 2026.
Nequi expected to reach full quarterly breakeven by Q1 2026.
Macroeconomic assumptions: 2025 GDP growth at 2.6%, inflation at 5.1%, and policy rate at 9.25%.
Mitigate FX impact on loan/deposit growth
Implications of Stage 2 increase from model calibration
Nequi's financial contribution and monetization
Nequi spin-off impact on group financials?
Rising share price impact on buyback strategy?
Structural issues hindering 45% efficiency target?
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Next Bancolombia earnings date
Q4 202519 Feb, 2026
Next Bancolombia earnings date
Q4 202519 Feb, 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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