Grupo Cibest (CIB) Corporate presentation summary

Scale and business model

• Client-centric regional platform combines banking, payments, asset management, investment banking and digital financial services across complementary businesses.

• As of Sep 30, 2026: assets $111.4B, loans $82.6B, deposits $83.0B, shareholders’ equity $11.7B and 3Q26 net profit $595M, using COP 3,312/USD.

• Served over 33M clients with 32,036 employees, 5,795 ATMs, 795 branches and 35,117 banking agents; digital transactions totaled 8.4B, including Nequi.

Regional franchises

• Bancolombia is the largest operation, with 16.9M listed customers and a 150-year history; operations span Colombia, Panama, Guatemala and El Salvador.

• Bancoagrícola is El Salvador’s largest financial institution, with leading market share and consistently high returns; 3Q26 footprint included 624 ATMs, 93 branches and 882 banking agents.

• Bam is Guatemala’s fourth-largest financial institution, positioned to support growth and profitability; rural market share was 24.7% in 3Q26.

Digital businesses

• Nequi, the digital inclusion platform, had 29.3M users; 3Q26 active users reached 23.8M and transactions totaled 3,421M.

• Wompi supports online and in-store payments; active users rose from 30.3K in 3Q25 to 193.0K in 3Q26, while transactions reached 126.0M in 3Q26.

• Wenia offers digital-asset trading and transfers, including COPW and USDW stablecoins; transactions reached 519.4K in 3Q26.