Grupo Cibest Overview - Grupo Cibest's assets reached $375 billion, with liabilities of $333 billion and equity of $41 billion[4] - The group serves over 33 million clients and employs 33,993 individuals[4] - The company's Return on Equity (ROE) stands at 175% and Double Leverage at 105%[4] Strategic Business Model - Bancolombia S A is the leading financial institution in Colombia, serving over 16 million customers with a market share of 28% in gross loans and 26% in deposits[15] - Bancoagrícola is the largest financial institution in El Salvador, serving over 17 million customers with a market share of 25% in gross loans and deposits[10] - Banistmo is the second largest financial institution in Panama, serving over 557,619 customers with a market share of 8% in gross loans and deposits[11] - Grupo Agromercantil Holding (GAH) is the fourth largest financial institution in Guatemala, serving 617,819 clients with a market share of 10% in gross loans and 8% in deposits[9] Financial Performance 2Q25 - Total gross loans increased by 44% year-over-year and 04% quarter-over-quarter[44] - Total deposits increased by 96% year-over-year and 24% quarter-over-quarter[66] - Net Interest Margin (NIM) is at 66%[24] - The efficiency ratio is 507%[24]