Grupo Cibest Income Statement

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

Millions COP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	30,907,221	29,236,002	30,330,439	32,825,553	24,783,493	15,344,290
Interest Income on Investments	3,294,298	2,944,535	2,616,976	1,590,734	2,249,308	1,119,799
Total Interest Income	34,201,519	32,180,537	32,947,415	34,416,287	27,032,801	16,464,089
Interest Paid on Deposits	12,440,765	12,061,226	13,687,660	15,430,183	8,442,470	4,351,556
Net Interest Income	21,760,754	20,119,311	19,259,755	18,986,104	18,590,331	12,112,533
Net Interest Income Growth	12.82%	4.46%	1.44%	2.13%	53.48%	10.63%
Gain (Loss) on Sale of Assets	236,962	236,962	101,898	172,389	171,482	227,445
Other Non-Interest Income	8,083,124	7,583,595	6,536,426	7,287,817	5,348,519	5,245,023
Total Non-Interest Income	8,320,086	7,820,557	6,638,324	7,460,206	5,520,001	5,472,468
Non-Interest Income Growth	21.08%	17.81%	-11.02%	35.15%	0.87%	16.78%
Revenues Before Loan Losses	30,080,840	27,939,868	25,898,079	26,446,310	24,110,332	17,585,001
Provision for Loan Losses	4,524,142	4,437,432	4,964,893	7,210,390	3,721,353	2,521,178
Revenue	25,556,698	23,502,436	20,933,186	19,235,920	20,388,979	15,063,823
Revenue Growth	16.05%	12.27%	8.82%	-5.66%	35.35%	81.51%
Salaries and Employee Benefits	5,992,607	5,760,122	5,224,723	4,899,283	4,417,656	3,782,596
Occupancy Expenses	1,028,240	1,015,758	988,494	1,012,664	977,039	920,558
Selling, General & Administrative	5,629,028	5,599,360	5,035,023	4,614,987	4,559,900	3,740,506
Other Non-Interest Expense	1,941,117	1,481,323	1,402,064	1,393,216	929,512	719,593
Total Non-Interest Expense	14,590,992	13,856,563	12,650,304	11,920,150	10,884,107	9,163,253
EBT Excluding Unusual Items	10,965,706	9,645,873	8,282,882	7,315,770	9,504,872	5,900,570
Asset Writedown	109,238	109,238	199,414	193,046	233,081	67,762
Other Unusual Items	4,194	4,194	7,952	13,855	6,833	15,680
Pretax Income	11,079,138	9,759,305	8,490,248	7,522,671	9,744,786	5,984,012
Income Tax Expense	3,220,521	2,810,966	2,379,852	1,820,293	2,748,421	1,776,225
Earnings From Continuing Operations	7,858,617	6,948,339	6,110,396	5,702,378	6,996,365	4,207,787
Earnings From Discontinued Operations	-3,243,482	-3,006,640	255,185	512,593	-	-
Minority Interest in Earnings	-136,013	-121,065	-97,837	-98,035	-212,875	-120,992
Net Income	4,479,122	3,820,634	6,267,744	6,116,936	6,783,490	4,086,795
Net Income to Common	4,479,122	3,820,634	6,267,744	6,116,936	6,783,490	4,086,795
Net Income Growth	-33.08%	-39.04%	2.46%	-9.83%	65.99%	1380.76%
Basic Shares Outstanding	945	953	962	962	962	962
Diluted Shares Outstanding	945	953	962	962	962	962
Shares Change	-1.79%	-0.90%	-	0.00%	-0.00%	-
EPS (Basic)	4741.51	4008.16	6516.50	6359.71	7053.00	4248.99
EPS (Diluted)	4741.51	4008.16	6516.50	6359.71	7053.00	4248.99
EPS Growth	-31.87%	-38.49%	2.46%	-9.83%	65.99%	1380.76%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	-	-	3900.000	3536.000	3536.000	3120.000
Dividend Growth	-	-	10.29%	0%	13.33%	1100.00%
Effective Tax Rate	29.07%	28.80%	28.03%	24.20%	28.20%	29.68%