Grupo Cibest S.A. SEC Filings

Grupo Cibest S.A. reported that Colombia’s Financial Superintendency has authorized Nequi S.A. Compañía de Financiamiento to operate nationwide as a financing company. The authorization, issued via Resolution No. 2002 dated October 31, 2025 and amended by Resolution No. 2021 dated November 4, 2025, became final and enforceable on November 6, 2025.

Nequi will commence operations once it completes the remaining procedures required to operate as a financing company. Nequi remains part of Grupo Cibest, and this development does not change how customers access or use current products and services.

Grupo Cibest (NYSE: CIB) reported strong 3Q25 results, led by higher earnings and improving asset quality. Net income attributable to shareholders was COP 2.1 trillion, up 19.7% versus 2Q25 and 42.8% year over year. Quarterly annualized ROE reached 20.4% (17.4% for the last 12 months).

Core banking trends were steady. The net interest margin was 6.59%, up 2 bps quarter over quarter, as net interest income rose to COP 5.3 trillion. Loan growth was modest: the gross loan portfolio reached COP 280 trillion (0.1% QoQ; 3.9% YoY), with momentum in consumer and mortgages, while commercial loans dipped. Deposits closed at COP 281 trillion (down 0.5% QoQ; up 8.3% YoY), with FX appreciation weighing on quarterly comparisons.

Credit quality improved: provision charges fell to COP 829 billion (−24.4% QoQ), the 30‑day past-due ratio was 4.32% and 90‑day was 3.08%, with coverage at 109.93%. Shareholders’ equity was COP 42.4 trillion, up 2.6% QoQ, supported by retained earnings. Digital engagement remained high with 9.2 million active Mi Bancolombia app users and 26.6 million Nequi accounts.

Grupo Cibest S.A. filed a Form 6-K announcing completion of a corporate reorganization involving its Panamanian operations. The company finalized two steps: the merger of Sociedad Beneficiaria VB Panamá S.A. into Banistmo S.A. after certain portfolios were spun off to Sociedad Beneficiaria VB, and the partial spin-off by Banistmo of 100% of the shares it held in Valores Banistmo S.A. to Cibest Panamá Assets S.A., a wholly owned subsidiary of Grupo Cibest.

Approvals were obtained from the Superintendency of Banks of Panama and the shareholders of the relevant entities. The company states there are no new ultimate shareholders and no changes to the control structure. Valores Banistmo remains a Grupo Cibest subsidiary, keeps its brokerage and investment manager licenses in Panama, and is now part of the Cibest Capital brand with no material changes to its business model.

Grupo Cibest (NYSE:CIB) reported strong 2Q25 unaudited results. Net income attributable to shareholders reached COP 1.8 trn (+3.1% QoQ; +24.4% YoY), lifting quarterly ROE to 17.5% and LTM ROE to 16.1%. Net interest income rose 3.2% QoQ to COP 5.2 trn, as the consolidated NIM widened 14 bp to 6.57% on higher loan yields and better securities returns.

Business volumes stayed healthy. The gross loan book expanded to COP 280 trn (+0.4% QoQ; +4.4% YoY) with mortgages and consumer credit leading, while deposits climbed to COP 283 trn (+2.4% QoQ; +9.6% YoY). Asset quality improved marginally: 30-day PDL fell to 4.54% and cost of risk held at 1.57%, though reserve coverage eased to 107.7%.

Operating expenses grew 5.7% QoQ (11.8% YoY), pushing the efficiency ratio to 50.7%. Shareholders’ equity rose to COP 41.3 trn (+1.6% QoQ) and the group finished May’s corporate reorganization, establishing Cibest as holding company. Digital traction continued with 9.4 m active APP Personas users and 25.5 m Nequi accounts.

Grupo Cibest S.A. (CIB) has released a Form 6-K detailing its pro-forma balance sheet after receiving assets and subsidiaries from Bancolombia S.A. on 16 May 2025.

Total assets stand at COP 45.2 trillion, driven chiefly by COP 43.6 trillion of investments in subsidiaries, including Bancolombia S.A. (COP 23.9 trillion) and Banistmo S.A. (COP 11.0 trillion). Cash and cash equivalents amount to COP 21.2 billion, while other investments and associates contribute a combined COP 55 billion.

Liabilities are modest at COP 3.6 trillion, comprising financial obligations (COP 1.5 trillion), preferred shares (COP 0.55 trillion) and deferred taxes (COP 1.53 trillion). Shareholders’ equity reaches COP 41.6 trillion, yielding an equity-to-asset ratio of roughly 92%.

The filing also discloses an intrinsic share value of COP 43,280.67, based on the 961.8 million shares outstanding (509.7 million common and 452.1 million non-voting preferred). Authorized capital is COP 700 billion (1.4 billion shares at COP 500 par value), while subscribed and paid-in capital totals COP 480.9 billion.

This 6-K confirms the Colombian regulator-approved spin-off, giving investors a first look at the post-transaction financial footing of Grupo Cibest as a holding company for several prominent banking and fintech subsidiaries.

Grupo Cibest S.A. (symbol: CIB) has filed a Form 6-K announcing that its Board of Directors has approved the formal regulation of a share-repurchase program. The program authorises the company to buy back its common shares, preferred shares and American Depositary Receipts (ADRs) for a total of up to COP 1.35 trillion. The authorisation runs for one year, from 24 June 2025 through 24 June 2026, in line with the mandate granted by shareholders at the Extraordinary Meeting held on 9 June 2025.

The filing does not include detailed financial tables, earnings data or funding information. However, it clearly states that the buyback regulation is now effective and provides a link for investors to review the full document. Contact information for Strategy & Financial VP Mauricio Botero Wolff and IR Director Catalina Tobón Rivera is supplied for further inquiries.

Key points for investors:

• Maximum aggregate repurchase amount: COP 1,350,000,000,000.
• Eligible securities: common shares, preferred shares and ADRs.
• Program validity: 12 months ending 24 June 2026.
• Regulation approved by Board on 24 June 2025, following shareholder approval on 9 June 2025.

While the precise execution timetable, purchase methodology and funding source are not provided in this short report, the announcement signals the company’s intention to deploy significant capital toward returning value to shareholders over the coming year.