Grupo Cibest S.a. · BVC:CIBEST
Grupo Cibest — Merger or Acquisition (December 2025)
8 slides from Grupo Cibest's merger presentation, December 2025
Slide 1: Sale of Banistmo to Inversiones Cuscatlán Centroamérica
Sale of Banistmo to Inversiones Cuscatlán Centroamérica December 2025
Slide 2: Grupo Cibest announces agreement to sell Banistmo for US $1,418 Million
Grupo Cibest announces agreement to sell Banistmo for US $1,418 Million Strategic Strategic Rationale Rationale of the of the Transaction Transaction Unlock value via Strengthen Focus on core strategic capital financial profile allocation businesses Marks the next step in our corporate Directly supp
Slide 3: Transaction terms overview
Transaction terms overview • Consideration: US $1,418 Million Sale price • All-cash transaction • Implied multiples1: 17.1x P/E LTM 3Q25 and 1.2x P/BV 3Q25 • Sale of 100% of the shares of Banistmo to Inversiones Cuscatlán Transaction Centroamérica (“ICC”) perimeter • Cibest Capital (formerly Valores
Slide 4: Financial impacts on Grupo Cibest for 2025
Financial impacts on Grupo Cibest for 2025 TRANSACTION IMPACTS AT SIGNING (FY 2025) NET INCOME 25E (COP TRILLION) A one-time, non-cash impairment charge of COP $4.9 ~17.5% Trillion (pre-tax) will be recognized in 2025, which will be Normalized partially offset with the reversal of accrued charges re
Slide 5: Revised guidance 2026E: structural improvement in Grupo Cibest's profitability and growth profile
Revised guidance 2026E: The transaction results in a structural improvement in Grupo Cibest’s profitability and growth profile Prior 26E Updated 26E guidance guidance Loan Around 7.0% 7.0% - 7.5% Growth NIM 6.3% - 6.5% 6.7% - 6.9% CoR 1.6% - 1.8% 1.6% - 1.8% Efficiency Around 50% Around 50% ROE 16%
Slide 6: What is next? Disciplined capital allocation with focus on growth
Disciplined capital allocation with focus on growth in What is next? attractive high-potential markets and on creating shareholder value Grupo Cibest remains committed to delivering a regional 1. service model for clients in Colombia, El Salvador, Guatemala and Central America Continuing to invest t
Slide 7: Disclaimer
2025 Disclaimer 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
Slide 8: Sale of Banistmo to Inversiones Cuscatlán Centroamérica
Sale of Banistmo to Inversiones Cuscatlán Centroamérica December 2025