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Grupo Cibest Corporate Presentation Bancolombia 150 ( 30 Años CIB LISTED NYSE Emisor bc ir Sustainability Award Gold Class 2021 S & P Global Dow Jones Sustainability Indexes
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Panamá Puerto Rico Fiduciaria Valores Banca de inversión Shareholders Notes: This chart is presented for illustrative purposes and is not intended to reflect the details of all subsidiary companies. Thesubsidiaries shown represent the main operations. Figures as of June 30, 2026. *Equity does not include non-controlling interest. Assets $ 363 Tn Liabilities $324 Tn Equity* $38 Tn Corporate Structure Under Grupo Cibest 97.4% 99.7% 100.0% 100.0% 100.0% 98.8% 100.0% 100.0% 100.0% 2 Double Leverage 95% 1 ROE 28.7%
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Investment Thesis We operate a flexible corporate structure that enables an efficient allocation of capital to drive growth and the sustainable creation of value. We are a systemic player with access to customer information and a proven track record in developing scalable businesses that strengthen our client-centric value proposition. Regional Financial Group Value Creation Scalable Complementary Business Model We are a regional financial group that offers client-centric integrated financial solutions. 3
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2026 Key Figures *Exchange Rate: COP 3,441 on June 30, 2026. **Includes Nequi Total Assets*: USD 105.5 BN Clients: Over 32 million Total Sharholder´s Equity*: USD 11.1 BN ATMs: 5,787 Total Loans*: USD 76.2 BN Digital Clients: App Bancolombia: 9.5 M Nequi: 28.8 M Total Deposits*: USD 78.8 BN Digital Transactions**: 7.5 BN Employees: 31,568 Banking Agents: 35,449 Net Profit in 2Q26*: USD 747 M Branches: 794
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Grupo Cibest Bancolombia Bam 16.4 M El Salvador Guatemala Panamá Colombia Bancoagrícola 9.5% 7.5% 629 K 1.8 M Nequi Wompi Wenia 28.8 M 2Q25 1Q26 2Q26 ATMs 5,192 5,194 5,169 Branches 570 563 562 Banking Agents 28,051 27,962 28,362 Leading financial institution in Colombia with 150 years of history, providing a full-fledged banking services portfolio retail and corporate customers. It represents Grupo Cibest´s most important operation. 83.3 k 73.0k Source Colombia: Superintendency of Finance of Colombia As of May 2026, *Loans + Leasing operations Market Share ColombiaRegional Presence Key Non –FinancialFigures 7.5% 10.3% 12.7% 14.4% 25.8% 7.7% 10.7% 12.4% 14.3% 25.9% 5.5% 6.9% 15.6% 15.5% 25.4% 6.9% 10.8% 12.6% 16.0% 28.2% 7.0% 10.9% 13.1% 15.0% 27.2% 0.0% 5.0% 10.0% 15.0% 20.0% 25.0% 30.0% Banco de Occidente BBVA Banco de Bogotá Davivienda Bancolombia Deposits Gross loans* Equity Liabilities Assets
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Grupo Cibest Bancolombia Bam 16.4M El Salvador Guatemala Panamá Colombia Bancoagrícola 9.5% 7.5% 629 K 1.8 M Nequi Wompi Wenia 28.8M 2Q25 1Q26 2Q26 ATMs* 5B Network 5B Network 5B Network Branches 151 139 139 Banking Agents 5,982 6,127 6,127 Is the fourth largest financial institution in Guatemala and strategic asset for Grupo Cibest, driven by its ability to accelerate growth, scale and enhance profitability in a country with strong economic potential and solid public finances. 83.3 k 73.0 k Source Guatemala: Superintendency of Banks of Guatemala As of June 2026 Market Share GuatemalaRegional Presence Key Non –FinancialFigures 7.8% 7.2% 11.8% 22.8% 28.6% 7.8% 7.3% 11.9% 22.6% 29.3% 7.5% 6.4% 10.7% 24.6% 22.6% 9.5% 8.9% 11.4% 18.9% 28.0% 7.8% 7.5% 11.5% 24.7% 26.0% 0.0% 5.0% 10.0% 15.0% 20.0% 25.0% 30.0% 35.0% BAC Agromercantil G&T Rural Industrial Deposits Gross loans* Equity Liabilities Assets *BAM provides ATM coverage through its participation in the 5B network.
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Grupo Cibest Bancolombia Bam 16.4 M El Salvador Guatemala Panamá Colombia Bancoagrícola 9.5% 7.5% 629 K 1.8 M Nequi Wompi Wenia 28.8M The largest financial institution in El Salvador. Stands out for its leading market share and its consistent high returns. Source El Salvador: Superintendency of Banks of El Salvador As of June 2026 83.3 k 73.0 k Market Share El SalvadorRegional Presence Key Non –FinancialFigures 2Q25 1Q26 2Q26 ATMs 581 612 624 Branches 92 93 93 Banking Agents 795 852 882 5.4% 12.5% 14.0% 17.2% 24.2% 5.6% 13.3% 13.7% 16.9% 24.3% 4.3% 13.4% 14.4% 15.9% 23.3% 5.5% 14.1% 15.5% 17.7% 24.7% 5.6% 13.1% 14.1% 17.5% 25.3% 0.0% 5.0% 10.0% 15.0% 20.0% 25.0% 30.0% Promérica Davivienda BAC Cuscatlan (Citibank)* Banco Agrícola Deposits Gross loans Equity Liabilities Assets
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Grupo Cibest Bancolombia Bam 16.4 M El Salvador Guatemala Panamá Colombia Bancoagrícola 24.8% 9.5% 7.5% 629 K 1.8 M Nequi Wompi Wenia 28.8 M A digital plataform and the core of the group´s financial digital inclusion. Connects individuals and businesses within an ecosystem that redefines how people connect with money. 83.3 k 73.0 k Growth in Users and Transactions Regional Presence Key FinancialFigures 2Q25 1Q26 2Q26 Loans** 1,178 1,893 2,152 Deposits* 5.6 6.8 7.6 Disbursements ** 544.5 662.5 740.6 **COP Billion *COP Trillion 20.2 21.4 21.9 22.9 23.5 1,833 2,148 2,320 2,705 3,190 - 500 1,000 1,500 2,000 2,500 3,000 3,500 18.0 20.0 22.0 24.0 26.0 28.0 30.0 32.0 34.0 2Q25 3Q25 4Q25 1Q26 2Q26 Active Users (Millions) Transactions (Millions)
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Grupo Cibest Bancolombia Bam 16.4 M El Salvador Guatemala Panamá Colombia Bancoagrícola 9.5% 7.5% 629K 1.8 M Wompi Wenia 27.4 M 83.3 k 73.0 k Digital platform that drives online and in- store sales and payments, enabling businesses to manage their cash flows easily and securely Nequi 28.8 M UserGrowthRegional Presence TransactionGrowth 21.4 30.3 41.1 55.7 83.3 5.0 15.0 25.0 35.0 45.0 55.0 65.0 75.0 85.0 2Q25 3Q25 4Q25 1Q26 2Q26 Active Users (Thousands) 23.0 30.6 78.7 121.9 169.1 5.0 25.0 45.0 65.0 85.0 105.0 125.0 145.0 165.0 2Q25 3Q25 4Q25 1Q26 2Q26 Transactions (Millions)
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Grupo Cibest Bancolombia Bam 16.4 M El Salvador Guatemala Panamá Colombia Bancoagrícola 24.8% 27.5% 27.5% 26.3% 27.5% 26.3% 9.5% 7.5% 629 K 1.8 M Wompi Wenia 83.3 k 73.0 k 9.5% 7.5% Nequi 28.8 M Digital platform that provides access to the digital asset ecosystem through solutions for buying, selling, converting, and transferring digital assets. Leveraging its cutting-edge technology, Wenia has launched its own stablecoins, COPW and USDW, referenced to the Colombian peso and the U.S. dollar, respectively, while enabling cross-border transfers through the use of stablecoin. Active UserGrowthRegional Presence TransactionGrowth 2.5 3.8 4.6 6.4 18.6 0.0 5.0 10.0 15.0 20.0 2Q25 3Q25 4Q25 1Q26 2Q26 Active Users (Thousands) 56.9 85.2 129.7 145.0 223.3 - 50.0 100.0 150.0 200.0 2Q25 3Q25 4Q25 1Q26 2Q26 Transactions (Thousands) Bermudas
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Key Financial Metrics COP Billion | Standalone information before eliminations NIM NII Net Fees Growth ROAE Efficiency CoR 2Q25 1Q26 2Q26 7.4% 7.5% 8.4% 4,048 4,456 5,182 5.2% 6.3 % 10.1% 16.5% 19.1 % 36.1% 50.7% 51.5 % 40.5% 1.7% 2.0 % 1.5% 2Q25 1Q26 2Q26 4.6% 4.4 % 4.9% 260.6 228.3 245.1 39.2% 51.9 % -14.4% 6.0% 16.2 % 20.1% 50.4% 44.5 % 42.2% 2.5% 1.6 % 1.7% 2Q25 1Q26 2Q26 7.5% 6.9 % 7.3% 410.0 375.2 390.2 7.0% -25.9% 0.9% 20.0% 20.5 % 19.9% 45.8% 47.9 % 47.0% 1.8% 2.0 % 2.5%
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2026 1875 Founding of Banco de Colombia 1945 Founding of Banco Industrial Colombiano (BIC) 1973 International license Panama 1995 ADR listing in NYSE 1998 BIC acquires Banco de Colombia 2005 Merger among Bancolombia, Conavi & Corfinsura 2007 Bancolombia acquires the largest bank in El Salvador 2012 Acquisition of 40% stake in BAM in Guatemala 2013 Acquisition of HSBC’s operations in Panama 2015 Exercised call option, reaching 60% controlling stake 2019 Exercised call option, reaching 100% controlling stake 2025 Corporate Evolution Organic Growth Inorganic Growth A history of growth, innovation and success
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2026 Dividend per Share* (Annual COP) Valuation Metrics CIBEST - PFCIBEST CIB *The indicated year corresponds to the year in which the dividends were paid . **Proposed extraordinary dividend. Approval pending at the Extraordinary Shareholders’ Meeting on August 26, 2026 1.19 1.36 1.66 2.22 1.93 1.08 1.15 1.43 1.76 1.68 2Q25 3Q25 4Q25 1Q26 2Q26 P/BV CIBEST P/BV PFCIBEST 1.09 1.15 1.43 1.74 1.69 2Q25 3Q25 4Q25 1Q26 2Q26 P/BV CIB 708 754 776 830 888 950 1,020 1,092 1,168 260 3,120 3,536 3,536 3,900 4,512 470 624 1,270 - 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 4,500 5,000 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Ordinary Dividends Extraordinary Dividends Proposed Extraordinary Dividend**
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2026 Stock listed in BVC and NYSE • Stock listed in NYSE since 1995 • Level III ADR Program • 1 ADR = 4 preferred shares • True one stop shop for our clients ´ banking needs
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2026 Suramericana de Inversiones and Subsidiaries 47% Colombian Pension Funds 21% Other International Shareholders 19% Other Local Shareholders 12% Suramericana de Inversiones and Subsidiaries 25% ADR Program** 11% Colombian Pension Funds 23% Other International Shareholders 22% Other Local Shareholders 20% *Figures as of june 30,2026 ** 1 ADR = 4 Preferred Shares ***Total Outstanding Shares: 944,661,966 Common Shares 54% Preferred Shares 46% Ownership Structure* Total *** 100% ADR Program** 23% Colombian Pension Funds 24% Other International Shareholders 25% Other Local Shareholders 28%
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Our Strategy Intermediation and Fees Innovation Capital Management Technology Platforms Risk Management Talent and culture Distribution to Mobilize Flows Operational Excellence Payments and Cashflows CIB Digital Banks Digital Assets We promote sustainable development to achieve EVERYONE´S WELL-BEING We grow by generating value for our shareholders We are the place where our talent wants to be Customers are at the center of our business ROE CommitmentNPS Vision of Success Financial services for Latin Americans Core Businesses Capabilities Where do we compete? Purpose
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2026 Banking Intermedation Banking and transactional services Asset Management Treasury and Capital Markets 17 Panamá Panamá Panamá Puerto Rico 17 Corporate Business Network
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Sustainability COP 629 Tn - Our goal for 2030* *Our 2030 business ambition is to mobilize at least COP 629 trillion (USD 182.7 billion) through financial services, that aim to strengthen the productive network, build sustainable cities and communities and promote financial inclusion. COP 329 Tn** Accumulated Economic Bam’s 100th aniversary Social Businesses with purpose Sustainability framework Bam celebrated its 100th anniversary, highlighting a century of supporting Guatemala’s economic development and reinforcing its commitment to strong corporate governance, transparency, and long-term value creation as part of Grupo Cibest. COP 31.8 Tn** 2020 2021 2022 2023 COP 49.0 Tn** 2024 COP 59.4 Tn** COP 64.2 Tn** COP 49.8 Tn** 2025 COP 74.8 Tn** Merco Talento 2026 Bancolombia was recognized by Merco Talento 2026 as the best company to work for in Colombia and in the financial sector. In addition, the Talent and Culture team was ranked as the best in the country for the third consecutive year. COP 35.4 Tn June 2026 COP 364.4 Tn Accumulated June 2026 2026 **Historical disbursements and the businesses with purpose target have been adjusted to reflect the divestment of Banistmo from Grupo Cibest.
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2026 Consolidating a leading regional banking platform
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2026 Equity Growth (%) --7.7% 2Q26/2Q25* 4.8% 2Q26/1Q26 Liabilities Growth (%) -2.8% 2Q26/2Q25* -7.9% 2Q26/1Q26 Balance Sheet Assets Growth (%) -3.2% 2Q26/2Q25* -6.7 % 2Q26/1Q26 Consolidated Results COP BillionCOP Billion COP Billion 375,251 374,632 379,752 389,144 363,082 310,000 330,000 350,000 370,000 390,000 410,000 430,000 2Q25** 3Q25** 4Q25 1Q26 2Q26 332,866 331,042 338,757 351,528 323,686 270,000 290,000 310,000 330,000 350,000 370,000 390,000 410,000 430,000 2Q25** 3Q25** 4Q25 1Q26 2Q26 41,294 42,378 39,755 36,377 38,124 2Q25** 3Q25** 4Q25 1Q26 2Q26 *Variations are calculated on a 2Q25 pro forma basis. **Pro-forma figures excluding discontinued operations *Variations are calculated on a 2Q25 pro forma basis. **Pro-forma figures excluding discontinued operations *Variations are calculated on a 2Q25 pro forma basis. **Pro-forma figures excluding discontinued operations
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2026 Funding Breakdown* Loans Breakdown* *Figures as of june 30, 2026 **Includes Long Term Deposits, Loans with Banks and Other Deposits. Commercial Mortgage Consumer Balance Sheet Consolidated Results (Cont.) 66% 20% 14% *Figures as of June 30, 2026 11% 3% 51% 36% Checking accounts Other deposits** Saving accounts Time deposits
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2026 COP Billion ROA, ROE & ROTE Net Income Sound earnings generation Consolidated Results (Cont.) Growth (%) 52.4% 2Q26/2Q25 87.4% 2Q26/1Q26 *Pro-forma metrics calculated based on restated periods 1,791 2,144 -1,852 1,457 2,730 2Q25 3Q25 4Q25 1Q26 2Q26 2.2% 2.6% -2.2% 1.7% 3.0% 17.5% 20.4% -17.7% 14.9% 28.7%20.8% 22.9% -20.7% 15.1% 31.1% 2Q25* 3Q25* 4Q25* 1Q26 2Q26 ROA ROE ROTE
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2026 STATEMENT OF FINANCIAL POSITION AND INCOME STATEMENT, CONSOLIDATED 2Q26 2Q26 / 1Q26 2Q26 / 2Q25(COP million) Consolidated Results (Cont.) ASSETS Net Loans 234,924,735 248,207,458 248,790,151 0.23% 5.90% Investments 34,392,799 38,830,679 48,219,273 24.18% 40.20% Other assets 105,933,192 102,106,340 66,072,847 -35.29% -37.63% Total assets 375,250,726 389,144,477 363,082,271 -6.70% -3.24% LIABILITIES AND SHAREHOLDERS’ EQUITY Deposits 252,981,953 271,721,894 271,046,925 -0.25% 7.14% Other liabilities 79,884,487 79,806,312 52,638,917 -34.04% -34.11% Total liabilities 332,866,440 351,528,206 323,685,842 -7.92% -2.76% Non-controlling interest 2,180,422 1,239,544 1,272,757 2.68% -41.63% Shareholders' equity 82,588,150 36,376,727 38,123,672 4.80% -53.84% Total liabilities and shareholders' equity 375,250,726 389,144,477 363,082,271 -6.70% -3.24% Interest income 7,958,432 8,253,120 9,454,009 14.55% 18.79% Interest expense -3,083,514 -3,070,694 -3,416,764 11.27% 10.81% Net interest income 4,874,918 5,182,426 6,037,245 16.49% 23.84% Net provisions - 1,059,845 - 1,229,260 -1,023,321 -16.75% -3.45% Fees and income from service, net 1,167,652 1,251,076 1,374,285 9.85% 17.70% Other operating income 817,616 854,727 945,042 10.57% 15.59% Total Dividends received and equity method 121,210 130,810 170,904 30.65% 41.00% Total operating expenses -3,581,598 -4,044,417 -3,649,383 -9.77% 1.89% Profit before taxes 2,339,953 2,145,362 3,854,772 79.68% 64.74% Income tax - 619,970 - 709,536 - 987,741 39.21% 59.32% Profit before non-controlling ineterest 1,719,983 1,435,826 2,867,031 99.68% 66.69% Non-controlling interest 2,180,422 1,239,544 1,272,757 2.68% -41.63% Net income attributable to equity holders of the Parent Company 1,791,303 1,457,111 2,730,344 87.38% 52.42% 1Q26Proforma 2Q25
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2026 Grupo Cibest was recognized among the top 10% of companies with the best environmental, social, and governance practices in the 2026 S&P Global Sustainability Yearbook. This achievement reflects the organization’s strong ability to contribute to sustainable development, productive transformation, and inclusion. Grupo Cibest received the IR Recognition 2025–2026 awarded by Bolsa de Valores de Colombia, which acknowledges issuers that adopt best-in-class information disclosure practices to strengthen trust and credibility among the investor community Achievements
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2026 Board of Directors Luis Fernando Restrepo Echavarría Ricardo Jaramillo Mejía Andrés Felipe Mejía Cardona Silvina Vatnick Sylvia Escovar Gómez Juan Esteban Toro Valencia Nicolás Zapata Zuluaga
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2026 Senior Management and Central America Subsidiaries Executives Mauricio Botero Wolff CFO Mauricio Rosillo Business VP Claudia Echavarría Corporate Governance VP Julián Mora Business Development VP Jaime Villegas Corporate Services VP Rodrigo Prieto Risks VP Alejandro Botero Corporate VP José Rodríguez Audit VP Juan Carlos Mora CEO Rafael Barraza Banco Agrícola CEO Federico Bolaños BAM CEO
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2026 Principles of action with the Grupo Cibest Full alignment in policies for carrying out operations with related parties and managing conflicts of interest. Businesses must generate value / contribution for Grupo Cibest. Articulated and collaborative work through synergy tables for the implementation of conglomerate regulations. Risk Management Framework– RMF. Business relationships in accordance with competitive price and service conditions in the market. Information Exchange Agreements. Corporate Governance Model
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2026 Principles of action with our Subsidiaries We have a uniform corporate governance model, applicable to all geographies.1. Comprehensive governance vision of all companies led by the President of Grupo Cibest.2. The President of each bank in Central America is responsible for its results.3. Corporate management in matters of risks, auditing, finance and compliance, taking as a reference the geography with the highest standard and in full compliance with local laws. 4. Corporate Governance Model
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2026 ir@grupocibest.com.co Investor Relations ctobon@grupocibest.com.co HIR Catalina Tobón (601) 1 488 5371 slcardo@bancolombia.com.co Manager Santiago López (604) 4 404 1918 daceball@bancolombia.com.co Manager Daniel Ceballos (604) 1 404 8501 maggarci@bancolombia.com.co Analyst María Camila García (604) 1 443 5371 mvmurill@bancolombia.com.co Analyst María Camila Velásquez (604) 4 404 8259 mavalenc@bancolombia.com.co Junior Analyst María Fernanda Valencia (601) 404 00 00 jsemanat@bancolombia.com.co Junior Analyst Juan Daniel Semanate (601) 404 00 00 Contacts sinfante@bancolombia.com.co Senior Analyst Sandra Cristina Infante (604) 1 443 5371
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2026 Disclaimer This report corresponds to the interim unaudited consolidated financial information of GRUPO CIBEST S.A. and its subsidiaries (“CIBEST”) which CIBEST controls, amongst others, by owning directly or indirectly, more than 50% of the voting capital stock. This financial information has been prepared based on financial records generated in accordance with International Financial Reporting Standards – IFRS. CIBEST maintains accounting records in Colombian pesos, referred to herein as “Ps.” or “COP”. The financial information for the quarter ended june 30, 2026, is not necessarily indicative of the results for any other future interim period. For more information, please refer to CIBEST´s filings with the Securities and Exchange Commission, which are available on the Commission's website at www.sec.gov. The Issuers Recognition – IR granted by the Bolsa de Valores de Colombia S.A. is not a certification on the goodness of the registered securities or on the solvency of the issuer. CAUTIONARY NOTE REGARDING FORWARD LOOKING STATEMENTS: This release contains statements that may be considered forward-looking statements within the meaning of Section 27A of the U.S. Securities Act of 1933 and Section 21E of the U.S. Securities Exchange Act of 1934. All forward-looking statements, whether made in this release or in future filings or press releases or orally, address matters that involve risks and uncertainties; consequently, there are or will be factors, including, among others, changes in general economic and business conditions, changes in currency exchange rates and interest rates, introduction of competing products by other companies, lack of acceptances of new products or services by our targeted customers, changes in business strategy and various others factors, that could cause actual results to differ materially from those indicated in such statements. We do not intend, and do not assume any obligation, to update these forward-looking statements. Certain monetary amounts, percentages and other figures included in this report have been subject to rounding adjustments. Any reference to CIBEST means GRUPO CIBEST S.A: together with its affiliates, unless otherwise specified.
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Corporate Presentation