Grupo Cibest S.A. (BVMF:C2OL34)

Grupo Cibest Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	31,345,282	32,613,551	35,240,787	24,783,493	15,344,290	16,132,977
Interest Income on Investments	3,488,021	3,035,243	2,015,557	2,249,308	1,119,799	678,998
Total Interest Income	34,833,303	35,648,794	37,256,344	27,032,801	16,464,089	16,811,975
Interest Paid on Deposits	13,681,809	15,023,911	16,668,295	8,442,470	4,351,556	5,863,008
Net Interest Income	21,151,494	20,624,883	20,588,049	18,590,331	12,112,533	10,948,967
Net Interest Income Growth (YoY)	2.71%	0.18%	10.75%	53.48%	10.63%	-0.98%
Gain (Loss) on Sale of Assets	103,481	103,481	170,910	171,482	227,445	65,932
Other Non-Interest Income	7,485,240	6,868,663	7,580,850	5,348,519	5,245,023	4,620,068
Total Non-Interest Income	7,588,721	6,972,144	7,751,760	5,520,001	5,472,468	4,686,000
Non-Interest Income Growth (YoY)	6.97%	-10.06%	40.43%	0.87%	16.78%	-5.10%
Revenues Before Loan Losses	28,740,215	27,597,027	28,339,809	24,110,332	17,585,001	15,634,967
Provision for Loan Losses	3,978,197	5,413,652	7,461,479	3,721,353	2,521,178	7,335,755
Revenue	24,762,018	22,183,375	20,878,330	20,388,979	15,063,823	8,299,212
Revenue Growth (YoY)	15.48%	6.25%	2.40%	35.35%	81.51%	-34.18%
Salaries and Employee Benefits	6,188,010	5,628,062	5,350,234	4,417,656	3,782,596	3,044,730
Occupancy Expenses	1,114,056	1,117,039	1,120,379	977,039	920,558	837,790
Selling, General & Administrative	5,837,319	5,445,212	5,033,944	4,559,900	3,740,506	3,346,859
Other Non-Interest Expense	1,439,968	1,442,511	1,433,148	929,512	719,593	765,766
Total Non-Interest Expense	14,579,353	13,632,824	12,937,705	10,884,107	9,163,253	7,995,145
EBT Excluding Unusual Items	10,182,665	8,550,551	7,940,625	9,504,872	5,900,570	304,067
Asset Writedown	199,414	199,414	193,046	233,081	67,762	-3,501
Other Unusual Items	7,952	7,952	13,855	6,833	15,680	8,207
Pretax Income	10,390,031	8,757,917	8,147,526	9,744,786	5,984,012	308,773
Income Tax Expense	2,940,653	2,392,336	1,932,555	2,748,421	1,776,225	-6,586
Earnings From Continuing Operations	7,449,378	6,365,581	6,214,971	6,996,365	4,207,787	315,359
Minority Interest in Earnings	-113,004	-97,837	-98,035	-212,875	-120,992	-39,365
Net Income	7,336,374	6,267,744	6,116,936	6,783,490	4,086,795	275,994
Net Income to Common	7,336,374	6,267,744	6,116,936	6,783,490	4,086,795	275,994
Net Income Growth	21.21%	2.46%	-9.83%	65.99%	1380.76%	-91.15%
Basic Shares Outstanding	955	962	962	962	962	962
Diluted Shares Outstanding	955	962	962	962	962	962
Shares Change (YoY)	-0.75%	-	0.00%	-0.00%	-	-
EPS (Basic)	7685.49	6516.50	6359.71	7053.00	4248.99	286.95
EPS (Diluted)	7685.49	6516.50	6359.71	7053.00	4248.99	286.95
EPS Growth	22.14%	2.46%	-9.83%	65.99%	1380.76%	-91.15%
Dividend Per Share	-	3900.000	3536.000	3536.000	3120.000	260.000
Dividend Growth	-	10.29%	-	13.33%	1100.00%	-77.74%
Effective Tax Rate	28.30%	27.32%	23.72%	28.20%	29.68%	-

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