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Bancolombia (CIB) investor relations material
Bancolombia Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary8 Aug, 2025
Executive summary
Corporate restructuring completed, transitioning to Grupo Sivest/Cibest holding structure to enhance capital allocation flexibility and shareholder value.
Net income reached COP 1.8 trillion in 2Q25, up 3.1% sequentially and 24.4% year-over-year, with ROE at 17.5%.
Focus on integrated, client-centric financial solutions, digital expansion, and complementary businesses, with Nequi's rapid growth nearing breakeven by early 2026.
Expansion into higher-yielding consumer loans supported by improved asset quality.
Strong balance sheet and liquidity position support growth and resilience in challenging macroeconomic conditions.
Financial highlights
Net income for 2Q25 was COP 1.8 trillion, up 24.4% year-over-year and 3.1% sequentially, with ROE at 17.5%.
Net interest margin rebounded to 6.6% for 2Q25, supported by loan and investment growth.
Deposits grew 2.4% quarter-over-quarter and 9.6% year-over-year, outpacing loan growth.
Operating expenses rose 5.7% quarter-over-quarter, with efficiency ratio at 50.7%.
Net provision charges decreased 32.3% year-over-year, supporting profitability.
Outlook and guidance
2025 guidance: loan growth at 5.4%, NIM at 6.3%, cost of risk 1.6%-1.8%, efficiency ~51%, and ROE at 16%.
NEKI/Nequi expected to reach breakeven by end of 2025 or early 2026.
Positive trends in digital adoption and loan growth expected to continue, supported by stable macroeconomic conditions.
Macroeconomic assumptions: GDP growth 2.6%, inflation 5.1%, central bank policy rate 8.25%.
Asset quality improvements support expansion into higher-yielding consumer loans.
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Next Bancolombia earnings date
Q3 20257 Nov, 2025
Next Bancolombia earnings date
Q3 20257 Nov, 2025
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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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