Grupo Cibest Income Statement

Financials in millions COP. Fiscal year is January - December.

Millions COP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	25,595,814	32,613,551	35,240,787	24,783,493	15,344,290
Interest Income on Investments	2,460,857	3,035,243	2,015,557	2,249,308	1,119,799
Total Interest Income	28,056,671	35,648,794	37,256,344	27,032,801	16,464,089
Interest Paid on Deposits	10,718,500	15,023,911	16,668,295	8,442,470	4,351,556
Net Interest Income	17,338,171	20,624,883	20,588,049	18,590,331	12,112,533
Net Interest Income Growth (YoY)	-15.94%	0.18%	10.75%	53.48%	10.63%
Gain (Loss) on Sale of Assets	185,828	103,481	170,910	171,482	227,445
Other Non-Interest Income	5,940,321	6,868,663	7,580,850	5,348,519	5,245,023
Total Non-Interest Income	6,126,149	6,972,144	7,751,760	5,520,001	5,472,468
Non-Interest Income Growth (YoY)	-12.13%	-10.06%	40.43%	0.87%	16.78%
Revenues Before Loan Losses	23,464,320	27,597,027	28,339,809	24,110,332	17,585,001
Provision for Loan Losses	3,619,261	5,413,652	7,461,479	3,721,353	2,521,178
Revenue	19,845,059	22,183,375	20,878,330	20,388,979	15,063,823
Revenue Growth (YoY)	-10.54%	6.25%	2.40%	35.35%	81.51%
Salaries and Employee Benefits	4,652,781	5,628,062	5,350,234	4,417,656	3,782,596
Occupancy Expenses	815,771	1,117,039	1,120,379	977,039	920,558
Selling, General & Administrative	4,412,180	5,445,212	5,033,944	4,559,900	3,740,506
Other Non-Interest Expense	1,316,316	1,442,511	1,433,148	929,512	719,593
Total Non-Interest Expense	11,197,048	13,632,824	12,937,705	10,884,107	9,163,253
EBT Excluding Unusual Items	8,648,011	8,550,551	7,940,625	9,504,872	5,900,570
Asset Writedown	109,238	199,414	193,046	233,081	67,762
Other Unusual Items	5	7,952	13,855	6,833	15,680
Pretax Income	8,757,254	8,757,917	8,147,526	9,744,786	5,984,012
Income Tax Expense	2,510,249	2,392,336	1,932,555	2,748,421	1,776,225
Earnings From Continuing Operations	6,247,005	6,365,581	6,214,971	6,996,365	4,207,787
Minority Interest in Earnings	-112,548	-97,837	-98,035	-212,875	-120,992
Net Income	6,134,457	6,267,744	6,116,936	6,783,490	4,086,795
Net Income to Common	6,134,457	6,267,744	6,116,936	6,783,490	4,086,795
Net Income Growth	-2.13%	2.46%	-9.83%	65.99%	1380.76%
Basic Shares Outstanding	962	962	962	962	962
Diluted Shares Outstanding	962	962	962	962	962
Shares Change (YoY)	-	-	0.00%	-0.00%	-
EPS (Basic)	6377.92	6516.50	6359.71	7053.00	4248.99
EPS (Diluted)	6377.92	6516.50	6359.71	7053.00	4248.99
EPS Growth	-2.13%	2.46%	-9.83%	65.99%	1380.76%
Dividend Per Share	-	3900.000	3536.000	3536.000	3120.000
Dividend Growth	-	10.29%	-	13.33%	1100.00%
Effective Tax Rate	28.67%	27.32%	23.72%	28.20%	29.68%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.