Grupo Cibest S.a. (CIB) Financial Statements

Executive TeamFinancials

Grupo Cibest financial statements at a glance

Grupo Cibest reported revenue of 27.49 trillion COP for fiscal year 2025 (ended December 31, 2025), down 1.4% from fiscal year 2024. Net income was 2.06 trillion COP, a net margin of 7.5%, and diluted earnings per share were 16180.00 COP.

At the end of fiscal year 2025 it had total assets of 379.75 trillion COP, total liabilities of 338.76 trillion COP and shareholders' equity of 39.75 trillion COP, with cash of 25.24 trillion COP and total debt of 18.09 trillion COP.

Its operations brought in 12.26 trillion COP of cash; capital spending was 2.24 trillion COP, leaving free cash flow of 10.01 trillion COP.

The tables below show the income statement, balance sheet and cash flow statement; the key figures of the last 5 fiscal years are at the bottom of the page.

Figures from company filings, in COP; latest fiscal year ended December 31, 2025.

CIB logo

Grupo Cibest S.a.

CIBColombia
Financial Services
COP (Local)

Income Statement

Annual • COP

Total Revenue
27.49T
Prev Year: 27.89T
YoY: -1.4%
Net Interest Income
17.99T
Prev Year: 18.76T
YoY: -4.1%
Interest Income
30.05T
Prev Year: 33.79T
YoY: -11.1%
Interest Expense
12.06T
Prev Year: 15.02T
YoY: -19.7%
Amortization
192.31B
Prev Year: 170.14B
YoY: +13.0%
Amortization of Intangibles
192.31B
Prev Year: 170.14B
YoY: +13.0%
Depreciation
785.31B
Prev Year: 841.32B
YoY: -6.7%
Selling General and Administrative
10.25T
Prev Year: 10.05T
YoY: +2.0%
Selling and Marketing Expense
180.45B
Prev Year: 179.12B
YoY: +0.7%
General and Administrative Expense
10.07T
Prev Year: 9.87T
YoY: +2.0%
Other General and Administrative
3.51T
Prev Year: 3.49T
YoY: +0.6%
Insurance and Claims
766.19B
Prev Year: 734.36B
YoY: +4.3%
Rent and Landing Fees
27.81B
Prev Year: 17.33B
YoY: +60.5%
Salaries and Wages
5.76T
Prev Year: 5.63T
YoY: +2.3%
Operating Revenue
27.49T
Occupancy And Equipment
1.10T
Prev Year: 1.01T
YoY: +8.8%
Professional and Contract Services Expense
12.27B
Prev Year: 12.68B
YoY: -3.2%
Other Noninterest Expense
1.48T
Prev Year: 1.44T
YoY: +2.7%
Special Income Charges
94.89B
Prev Year: -412.82B
YoY: +123.0%
Provision for Credit Losses
-
Prev Year: -5.45T
Write-offs
-79.19B
Prev Year: 420.77B
YoY: -118.8%
Pre-tax Income
9.76T
Prev Year: 8.76T
YoY: +11.4%
Non Interest Expense
-
Prev Year: 13.53T
Provision for Income Taxes
2.81T
Prev Year: 2.39T
YoY: +17.5%
Income from Associates and Other Participating Interests
-
Prev Year: 264.77B
Net Income Common Stockholders
2.06T
Prev Year: 3.35T
YoY: -38.5%
Net Income
3.82T
Prev Year: 6.27T
YoY: -39.0%
Net Income Including Non-Controlling Interests
3.94T
Prev Year: 6.37T
YoY: -38.1%
Net Income from Continuing Operations
6.95T
Prev Year: 6.37T
YoY: +9.2%
Net Income from Discontinued Operations
-3.01T
Noncontrolling Interests
-121.06B
Prev Year: -97.84B
YoY: -23.7%
Diluted NI Available to Com Stockholders
2.06T
Prev Year: 3.35T
YoY: -38.5%
Basic EPS
16.2K
Prev Year: 0
Diluted EPS
16.2K
Prev Year: 0
Weighted Average Shares (basic)
127.37M
Prev Year: 127.50M
YoY: -0.1%
Weighted Average Shares (diluted)
127.37M
Prev Year: 127.50M
YoY: -0.1%
Net Income from Continuing and Discontinued Operation
3.82T
Prev Year: 6.27T
YoY: -39.0%
Normalized Income
6.51T
Prev Year: 6.35T
YoY: +2.6%
Reconciled Depreciation
1.06T
Prev Year: 1.01T
YoY: +4.4%
Net Income from Continuing Operation Net Minority Interest
6.83T
Prev Year: 6.27T
YoY: +8.9%
Total Unusual Items Excluding Goodwill
441.63B
Prev Year: -109.08B
YoY: +504.9%
Interest Income After Provision for Loan Loss
-
Prev Year: 13.31T
Total Unusual Items
441.63B
Prev Year: -109.08B
YoY: +504.9%
Tax Rate for Calcs
0.289
Prev Year: 0
Total Money Market Investments
-
Tax Effect of Unusual Items
127.81B
Prev Year: -30.97B
YoY: +512.7%
Rent Expense (supplemental)
27.81B
Prev Year: 17.33B
YoY: +60.5%
Otherunder Preferred Stock Dividend
-215.06B
Preferred Stock Dividends
1.97T
Prev Year: 2.92T
YoY: -32.3%
Gain on Sale of Business
11.51B
Other Special Charges
-4.19B
Prev Year: -7.95B
YoY: +47.3%
Gain on Sale of Securities
1.44T
Prev Year: 1.76T
YoY: -18.2%
Depreciation Amortization Depletion
977.62B
Prev Year: 1.01T
YoY: -3.3%
Depreciation and amortization
977.62B
Prev Year: 1.01T
YoY: -3.3%
Values in COP

Grupo Cibest key figures by fiscal year

FY2025FY2024FY2023FY2022FY2021
Revenue27.5T COP27.9T COP28.5T COP24.2T COP17.3T COP
Net income2.1T COP3.4T COP3.3T COP3.6T COP2.2T COP
Diluted EPS16180.00 COP0.00 COP0.00 COP0.00 COP0.00 COP
Total assets379.8T COP372.2T COP342.9T COP352.8T COP289.9T COP
Total liabilities338.8T COP327.6T COP303.9T COP312.8T COP255.9T COP
Shareholders' equity39.8T COP43.5T COP38.1T COP39.1T COP32.2T COP
Cash25.2T COP27.1T COP32.0T COP28.8T COP24.5T COP
Total debt18.1T COP28.9T COP32.1T COP41.2T COP31.5T COP
Operating cash flow12.3T COP435.9B COP19.2T COP6.3T COP6.6T COP
Capital spending2.2T COP2.0T COP2.4T COP3.5T COP2.2T COP
Free cash flow10.0T COP-1.6T COP16.7T COP2.8T COP4.4T COP

In COP. Fiscal years as reported by the company; statements on this page go back to fiscal year 2014.

Questions and answers

What was Grupo Cibest's revenue in fiscal year 2025?

27.49 trillion COP, down 1.4% from 27.89 trillion COP in fiscal year 2024.

How much profit does Grupo Cibest make?

Grupo Cibest reported net income of 2.06 trillion COP for fiscal year 2025 (7.5% of revenue).

How much cash and debt does Grupo Cibest have?

At the end of fiscal year 2025: cash of 25.24 trillion COP and total debt of 18.09 trillion COP.

What is Grupo Cibest's free cash flow?

10.01 trillion COP in fiscal year 2025 (operating cash flow of 12.26 trillion COP minus capital spending of 2.24 trillion COP).

Disclaimer: This analysis is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Data may be incomplete, delayed, or contain inaccuracies. Consult with a qualified financial advisor before making any investment decisions.
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