Grupo Cibest S.a. · BVC:CIBEST
Grupo Cibest — Investor Presentation (August 2026)
31 slides from Grupo Cibest's investor presentation, August 2026
Slide 1: Corporate Presentation
Grupo Cibest Corporate Presentation —\ 180 G0) fe ‘SEP Global
Slide 2: Corporate Structure Under Grupo Cibest
Corporate Structure Under Grupo Cibest Shareholders 100.0% 97.4% 99.7% 100.0% 100.0% 100.0% 98.8% 100.0% 100.0% Fiduciaria Valores Banca de inversión Panamá Puerto Rico Assets Liabilities Equity* Double Leverage ROE $ 363 Tn $324 Tn $38 Tn 95% 28.7% 1 Notes: This chart is presented for illustrative
Slide 3: Investment Thesis
Investment Thesis Regional Scalable Value Financial Complementary Creation Group Business Model We are a regional financial group We operate a flexible corporate structure We are a systemic player with access to that offers client-centric that enables an efficient allocation of customer information
Slide 4: Key Figures
2026 Key Figures Total Assets*: Total Loans*: Total Deposits*: Total Sharholder´s Net Profit in 2Q26*: Employees: USD 105.5 BN USD 76.2 BN USD 78.8 BN Equity*: USD 747 M 31,568 USD 11.1 BN Clients: Digital Clients: Digital Transactions**: ATMs: Branches: Banking Agents: Over 32 million App Bancolomb
Slide 5: Grupo Cibest: Bancolombia
Grupo Cibest Bancolombia Bam Bancoagrícola Nequi Wompi Wenia 16.4 M 629 K 1.8 M 28.8 M 83.3 k 73.0k 9.5% 7.5% 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 imp
Slide 6: Grupo Cibest: BAM
Grupo Cibest Bancolombia Bam Bancoagrícola Nequi Wompi Wenia 16.4M 629 K 1.8 M 28.8M 83.3 k 73.0 k 9.5% Is the fourth largest 7.5% 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 st
Slide 7: Grupo Cibest: Bancoagrícola
Grupo Cibest Bancolombia Bam Bancoagrícola Nequi Wompi Wenia 16.4 M 629 K 1.8 M 28.8M 83.3 k 73.0 k 9.5% 7.5% The largest financial institution in El Salvador. Stands out for its leading market share and its consistent high returns. Regional Presence Market Share El Salvador Key Non –Financial Figur
Slide 8: Grupo Cibest: Nequi
Grupo Cibest Bancolombia Bam Bancoagrícola Nequi Wompi Wenia 16.4 M 629 K 1.8 M 28.8 M 83.3 k 73.0 k 9.5% 7.5% A digital plataform and the core of the group´s financial digital inclusion. Connects individuals and businesses within an 24.8% ecosystem that redefines how people connect with money. Regi
Slide 9: Grupo Cibest: Wompi
Grupo Cibest Bancolombia Bam Bancoagrícola Nequi Wompi Wenia 16.4 M 629K 1.8 M 27.4 M 83.3 k 73.0 k 9.5% 28.8 M 7.5% Digital platform that drives online and in- store sales and payments, enabling businesses to manage their cash flows easily and securely Regional Presence User Growth Transaction Grow
Slide 10: Grupo Cibest: Wenia
Grupo Cibest Bancolombia Bam Bancoagrícola Nequi Wompi Wenia 1.8 M 83.3 k 73.0 k 16.4 M 629 K 28.8 M 9.5% Digital platform that provides 7.5% access to the digital asset ecosystem through solutions for buying, selling, converting, and transferring digital assets. Leveraging its cutting-edge technolo
Slide 11: Key Financial Metrics
Key Financial Metrics 2Q25 1Q26 2Q26 2Q25 1Q26 2Q26 2Q25 1Q26 2Q26 NIM 7.4% 7.5% 8.4% 4.6% 4.4 % 4.9% 7.5% 6.9 % 7.3% NII 4,048 4,456 5,182 260.6 228.3 245.1 410.0 375.2 390.2 Net Fees Growth 5.2% 6.3 % 10.1% 39.2% 51.9 % -14.4% 7.0% -25.9% 0.9% ROAE 16.5% 19.1 % 36.1% 6.0% 16.2 % 20.1% 20.0% 20.5 %
Slide 12: A history of growth, innovation and success
2026 A history of growth, innovation and success Organic Growth Founding of Banco International ADR listing in Corporate de Colombia license Panama NYSE Evolution 1875 1973 1995 2025 1998 2005 2007 2012 2013 2015 2019 1945 BIC acquires Merger among Bancolombia Acquisition of 40% Acquisition of Exerc
Slide 13: Dividend per Share and Valuation Metrics
2026 5,000 4,512 4,500 3,900 4,000 3,536 3,536 3,500 3,120 3,000 2,500 Dividend per Share* 2,000 1,500 1,092 1,168 1,271 1,020 (Annual COP) 830 888 950 1,000 708 754 776 624 470 500 260 - 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Ordinary Dividends Extraordinary Divi
Slide 14: Stock listed in BVC and NYSE
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
Slide 15: Ownership Structure
2026 Ownership Structure* Other Local Shareholders 12% Other Local ADR Shareholders Program** Other 28% 23% International Shareholders Common Suramericana de Preferred 19% Inversiones and Shares Subsidiaries Shares 54% 47% 46% Colombian Pension Other Funds Colombian International 24% Pension Funds S
Slide 16: Our Strategy
Innovation Operational Distribution to Excellence Vision of Success Mobilize Flows We grow by generating value for our shareholders Customers We are the place Our are at the center of ROE where our talent wants to be our business Strategy NPS Commitment Capital Management We promote sustainable deve
Slide 17: Corporate Business Network
2026 Banking Banking and Intermedation transactional services Panamá Corporate Panamá Business Network Treasury and Capital Asset Markets Management Panamá Puerto Rico 17 17
Slide 18: Sustainability
Sustainability 2026 Businesses with purpose Sustainability framework Economic Social COP 629 Tn - Our goal for 2030* Bam’s 100th aniversary Merco Talento 2026 Bam celebrated its 100th anniversary, highlighting a 2020 COP 31.8 Tn** century of supporting Guatemala’s economic development and reinforcin
Slide 19: Consolidating a leading regional banking platform
2026 Consolidating a leading regional banking platform
Slide 20: Consolidated Results: Balance Sheet
2026 Assets Liabilities Growth (%) Growth (%) 430,000 -3.2% 2Q26/2Q25* 430,000 -2.8% 2Q26/2Q25* -6.7 % 2Q26/1Q26 -7.9% 2Q26/1Q26 410,000 410,000 390,000 389,144 379,752 390,000 370,000 375,251 374,632 351,528 370,000 363,082 350,000 338,757 332,866 331,042 330,000 323,686 350,000 Consolidated 310,00
Slide 21: Consolidated Results (Cont.): Loans and Funding Breakdown
2026 Loans Breakdown* 14% Commercial 20% Mortgage 66% Consolidated Consumer Results (Cont.) *Figures as of June 30, 2026 Balance Sheet Funding Breakdown* 3% Checking 11% accounts Other deposits** 36% Saving accounts 51% Time deposits *Figures as of june 30, 2026 **Includes Long Term Deposits, Loans
Slide 22: Consolidated Results (Cont.): Net Income, ROA, ROE
2026 Net Income Growth (%) 52.4% 2Q26/2Q25 87.4% 2Q26/1Q26 2,730 2,144 1,791 1,457 Consolidated -1,852 Results (Cont.) 2Q25 3Q25 4Q25 1Q26 2Q26 COP Billion Sound earnings ROA, ROE & ROTE generation 31.1% 22.9% 20.8% 28.7% 15.1% 20.4% 17.5% 14.9% 2.2% 2.6% 3.0% 1.7% -2.2% -17.7% -20.7% 2Q25* 3Q25* 4Q
Slide 23: Consolidated Results (Cont.)
Consolidated Results (Cont.) 2026 STATEMENT OF FINANCIAL POSITION AND INCOME STATEMENT, CONSOLIDATED (COP million) Proforma 2Q25 1Q26 2Q26 2Q26 / 1Q26 2Q26 / 2Q25 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
Slide 24: Achievements
2026 Achievements Grupo Cibest was recognized among the top 10% of Grupo Cibest received the IR Recognition 2025–2026 companies with the best environmental, social, and awarded by Bolsa de Valores de Colombia, which governance practices in the 2026 S&P Global acknowledges issuers that adopt best-in-
Slide 25: Board of Directors
2026 Board of Directors Ricardo Juan Esteban Andrés Felipe Nicolás Luis Fernando Sylvia Silvina Jaramillo Mejía Toro Valencia Mejía Cardona Zapata Zuluaga Restrepo Echavarría Escovar Gómez Vatnick
Slide 26: Senior Management and Central America Subsidiaries Executives
2026 Juan Carlos Mora Rafael Barraza Federico Bolaños CEO Banco Agrícola CEO BAM CEO Mauricio Botero Wolff Mauricio Rosillo Claudia Echavarría Julián Mora Jaime Villegas Rodrigo Prieto Alejandro Botero José Rodríguez CFO Business VP Corporate Business Corporate Services VP Risks VP Corporate VP Audi
Slide 27: Corporate Governance Model
2026 Principles of action with the Grupo Cibest Full alignment in policies for carrying out operations with related parties and managing conflicts of interest. Articulated and collaborative work through synergy tables for the implementation of conglomerate regulations. Information Exchange Agreement
Slide 28: Corporate Governance Model
2026 Principles of action with our Subsidiaries Corporate Governance Model 1. We have a uniform corporate governance model, applicable to all geographies. 2. Comprehensive governance vision of all companies led by the President of Grupo Cibest. 3. The President of each bank in Central America is res
Slide 29: Contacts
2026 Catalina Tobón Santiago López Daniel Ceballos HIR Manager Manager ctobon@grupocibest.com.co slcardo@bancolombia.com.co daceball@bancolombia.com.co Contacts (601) 1 488 5371 (604) 4 404 1918 (604) 1 404 8501 María Camila García María Camila Velásquez Sandra Cristina Infante Analyst Analyst Senio
Slide 30: Disclaimer
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
Slide 31: Corporate Presentation
Grupo Cibest Corporate Presentation —\ 180 G0) fe ‘SEP Global