Grupo Cibest (CIB) Corporate presentation summary

Corporate structure and regional presence

• Operates a flexible, scalable business model with a client-centric approach across Colombia, Guatemala, El Salvador, and Panama, with key subsidiaries including Bancolombia, Bancoagrícola, BAM, Nequi, Wompi, and Wenia.

• Holds leading market shares in Colombia (Bancolombia), Guatemala (BAM), and El Salvador (Bancoagrícola), with over 32 million clients and 31,568 employees.

• Digital platforms Nequi, Wompi, and Wenia drive financial inclusion and digital asset services, with Nequi reaching 28.8 million users.

Financial performance and key metrics

• As of June 2026, total assets reached USD 105.5 billion, equity USD 11.1 billion, and net profit for 2Q26 was USD 747 million.

• Consolidated net income grew 52.4% year-over-year in 2Q26, with ROE at 28.7% and efficiency ratio improving to 40.5% for Bancolombia.

• Loans are primarily consumer (66%), with funding mainly from time deposits (51%) and savings accounts (36%).

• Digital transactions and active users continue to grow rapidly across all platforms.

Strategy, governance, and sustainability

• Focuses on operational excellence, innovation, and sustainable development, aiming to mobilize COP 629 trillion by 2030 for productive networks and financial inclusion.

• Recognized among the top 10% globally for ESG practices in the 2026 S&P Global Sustainability Yearbook and awarded for best information disclosure.

• Uniform corporate governance model across all geographies, with strong risk management and compliance frameworks.

• Dividend policy includes both ordinary and extraordinary dividends, with a proposed extraordinary dividend for 2026.