Bancolombia (NYSE:CIB) Q3 2025 Earnings Call November 07, 2025 09:00 AM ET Company ParticipantsLaura Clavijo - Chief EconomistMauricio Botero Wolff - Chief Strategy Officer and CFOCarlos Gomez - Head of Latam Financials ResearchJuan Carlos Mora - CEOBrian Flores - VP in Equity ResearchAndres Soto - Executive DirectorConference Call ParticipantsDaniel Vaz - Lead Research AnalystYuri Fernandes - Executive Director and Research AnalystTito Labarta - AnalystOperatorGood morning, ladies and gentlemen, and welcom ...

Bancolombia (NYSE:CIB) Q3 2025 Earnings Call November 07, 2025 09:00 AM ET Speaker2Good morning, ladies and gentlemen, and welcome to the Grupo Bancolombia third quarter 2025 earnings conference call. My name is LaTonya, and I will be your operator for today's call. At this time, all participants are in a listen-only mode. Following the prepared remarks, there will be a question-and-answer session. During the question-and-answer session, if you have a question, please press star, then the one on your toucht ...

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]