Grupo Cibest (CIBEST) investor relations material

Corporate structure and regional presence

• Operates a flexible corporate structure with full ownership of key subsidiaries in Colombia, Panama, Guatemala, and El Salvador, including digital platforms like Nequi and Wompi.

• Holds leading market shares in Colombia, Guatemala, and El Salvador, with over 33 million clients and a strong digital footprint.

• Strategic expansion through acquisitions and organic growth, consolidating a regional banking platform.

Financial performance and key metrics

• Total assets reached USD 106.3 billion, with net profit of USD 394 million in 2025 and ROE of 14.9%.

• Consolidated assets grew 6.9% year-over-year to COP 389 trillion as of 1Q26, while equity declined 10.5%.

• Net income for 1Q26 was COP -1.85 trillion, reflecting a significant drop from previous quarters.

• Loan portfolio is diversified: 66% commercial, 20% consumer, 13% mortgage.

• Funding is primarily from deposits, with 50% from savings accounts and 36% from checking accounts.

Digital transformation and innovation

• Digital platforms Nequi and Wompi drive financial inclusion and digital payments, with Nequi reaching 22.9 million users.

• Wenia offers digital asset solutions, including a stablecoin pegged to the Colombian peso.

• Digital transactions through apps and platforms continue to grow rapidly, supporting operational efficiency.