Grupo Cibest (CIB) Company Report

Grupo Cibest S.A. released its quarterly report for the fiscal quarter ended September 30, 2025, on November 14, 2025.
The company reported net income attributable to equity holders of the Parent Company of COP 2,144,103 million for Q3 2025, representing a 19.7% increase compared to Q2 2025. Basic and diluted earnings per share for Q3 2025 were COP 2,247.
Net interest income totaled COP 5,302 billion in Q3 2025, an increase of 1.5% compared to Q2 2025 and 2.9% compared to Q3 2024. The consolidated Net Interest Margin (NIM) increased by 2 basis points in the quarter, rising from 6.57% to 6.59%.
A share buyback program for COP 1.35 trillion was approved on June 9, 2025, with 26.7% of the approved amount executed as of September 30, 2025, resulting in the repurchase of 7,252,194 shares.
Grupo Cibest became the parent company of Bancolombia and other subsidiaries following a partial spin-off formalized on May 12, 2025, with its shares becoming tradable on May 19, 2025.

Nov 14, 2025, 9:21 PM

6-K

Grupo Cibest Reports Strong Q3 2025 Financial Results with Significant Net Income and ROE Growth

CIB

Earnings

Share Buyback

Guidance Update

Grupo Cibest reported strong Q3 2025 financial results, with Net Income of 2.1 COP Trillion and a Return on Equity (ROE) of 20.4%. Net income increased 42.8% year-over-year and 19.7% quarter-over-quarter.
The company demonstrated improved operational efficiency, achieving an Efficiency Ratio of 48.5% in Q3 2025. Loan growth was 0.1% quarter-over-quarter and 3.9% year-over-year, with consumer loans gaining traction.
Solid progress on the share buyback program continued, with 7,252,194 shares repurchased, which is noted to enhance ROE and valuation metrics. Additionally, Nequi reported positive net income in September, marking a key milestone towards sustained profitability.
For the full year 2025, Grupo Cibest anticipates loan growth of approximately 3.5%, a Net Interest Margin (NIM) of around 6.5%, and an ROE of approximately 17%.

Nov 7, 2025, 2:00 PM

Presentation

Grupo Bancolombia Reports Strong Q3 2025 Results with Significant Net Income and ROE Growth, Nequi Nears Breakeven

CIB

Earnings

Guidance Update

New Projects/Investments

Grupo Bancolombia's net income posted a strong 20% growth quarterly and 43% growth annually in Q3 2025, leading to a Return on Equity (ROE) increase to 20.4%. The company's ROE is projected to be around 17% for 2025 and between 16%-17% for 2026.
Nequi continued to demonstrate strong momentum in Q3 2025, adding 1.2 million active users and is expected to reach its first full breakeven quarter by Q1 2026. Its loan book expanded 2.3x annually, and it maintains a sound deposit balance of COP 5.5 trillion.
Asset quality improved, with net provisions amounting to COP 800 billion, representing a 24% quarterly drop and close to a 48% annual contraction. The quarterly analyzed cost of risk declined to 1.2%, its lowest level in the past year. The cost of risk is expected to be in the range of 1.5%-1.7% for 2025 and 1.6%-1.8% for 2026.
Loan growth for 2025 has been revised to approximately 3.5% (or around 6% net of FX). Preliminary projections for 2026 indicate loan growth of approximately 7%, with consumer loans expected to grow around 10%.
Operating expenses decreased 2.4% during Q3 2025, and operational efficiency is projected to be around 50% for 2025 and 2026. The company also highlighted the initial progress of its share buyback strategy.

Nov 7, 2025, 2:00 PM

Transcript

Grupo Bancolombia Reports Strong Q3 2025 Results with Increased Profitability and Nequi Milestone

CIB

Earnings

Share Buyback

Guidance Update

Grupo Bancolombia reported strong Q3 2025 results, with net income growing 20% quarterly and 43% year-over-year, and Return on Equity (ROE) expanding by 288 basis points to 20.4%.
The company's asset quality continued to improve, with net provisions dropping 24% quarterly and nearly 48% annually to COP 800 billion, resulting in a quarterly analyzed cost of risk of 1.2%.
Nequi achieved a positive net income in September and is anticipated to reach sustained profitability by Q1 2026, with plans for it to separate from Bancolombia as a standalone entity in the second semester of 2026.
The share buyback program, launched in mid-July, has completed approximately 27% of the authorized COP 1.35 trillion repurchase amount as of September 30, involving about 7.3 million shares.
The company provided ROE guidance of around 17% for 2025 and 16-17% for 2026, and revised its 2025 year-end loan growth outlook to approximately 3.5% (or 6% net of FX).

Nov 7, 2025, 2:00 PM

Transcript

Grupo Bancolombia Reports Strong Q3 2025 Results, Nequi Achieves Profitability, and Updates Outlook

CIB

Earnings

Share Buyback

Guidance Update

Grupo Bancolombia reported strong Q3 2025 results, with net income growing nearly 20% quarterly and 43% year-over-year, leading to an ROE of 20.4%.
The digital platform Nequi achieved positive net income in September and is expected to reach sustained profitability by Q1 2026, with plans to operate as a standalone entity in H2 2026.
The share buyback program has completed approximately 27% of the authorized COP 1.35 trillion repurchase amount as of September 30, including 7.3 million shares.
Asset quality improved significantly, with net provisions dropping 24% quarterly and nearly 48% annually, resulting in a quarterly analyzed cost of risk of 1.2%.
The company revised its 2025 year-end outlook, projecting loan growth of approximately 3.5% and an ROE of around 17%, with preliminary 2026 projections indicating 7% loan growth and an ROE between 16%-17%.

Nov 7, 2025, 2:00 PM

Transcript

Grupo Cibest S.A. Reports Q3 2025 Financial Results

CIB

Earnings

Share Buyback

Grupo Cibest reported net income attributable to shareholders of COP 2.1 trillion for Q3 2025, representing a 19.7% increase compared to Q2 2025 and a 42.8% increase versus Q3 2024.
The company's quarterly annualized return on equity (ROE) was 20.4% for Q3 2025.
Net interest income reached COP 5.3 trillion in Q3 2025, up 1.5% from the previous quarter, with a net interest margin of 6.59%.
The gross loan portfolio grew by 0.1% quarter-over-quarter to COP 280 trillion, while deposits decreased by 0.5% to COP 281 trillion.
Total provision charges decreased by 24.4% compared to Q2 2025, totaling COP 829 billion. Additionally, 26.7% of the COP 1.35 trillion share buyback program had been executed as of September 30, 2025.

Nov 6, 2025, 9:05 PM

6-K

Earnings Transcripts

Quarterly earnings call transcripts for Grupo Cibest.

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