Grupo Cibest S.A.

Grupo Cibest S.A. provides a wide range of banking and financial products and services in Colombia and globally. Its deposit products include checking and savings accounts, fixed-term deposits, and investment products. The company offers credit solutions such as trade financing, working capital loans, mortgages, credit cards, personal, vehicle, payroll, and small business loans, overdrafts, and factoring. It also provides financial and operating leases. In capital markets, it offers hedging instruments, trading services including interbank lending, repurchase agreements, foreign exchange transactions, and securities trading, as well as brokerage and investment advisory services. Additionally, it offers bancassurance and insurance, investment banking services like project finance, acquisition finance, loan syndication, and mergers and acquisitions advisory. The company also operates the Nequi digital platform and provides trust and fiduciary services, escrow accounts, and investment funds.

Grupo Cibest S.A. is listed on the New York Stock Exchange (NYSE) under the ticker symbol CIB. Its shares trade in US Dollars (USD), making it accessible to international investors. The company is based in Colombia and its primary operations are in the Colombian financial market, but its listing on a major US exchange provides global visibility and liquidity.

Grupo Cibest S.A. operates in the Financial Services sector, specifically within the Banks - Regional industry. This means it is a regional bank that provides a variety of banking and financial services primarily in Colombia and other global markets. As a regional bank, it focuses on serving local customers and businesses, offering products such as loans, deposits, and investment services tailored to the regional economy.

Grupo Cibest S.A. operates in Colombia and globally. While its headquarters and primary market are in Colombia, the company provides banking products and services internationally. Its global operations include capital markets activities, foreign exchange transactions, and trade finance solutions such as letters of credit and bills collection. The company also offers access to local and international capital markets, indicating a presence beyond Colombia.

Grupo Cibest S.A. generates revenue through a diversified portfolio of banking and financial services. Its core business includes interest income from loans (such as mortgages, personal loans, and trade financing) and fees from deposit accounts, credit cards, and investment products. The company also earns from capital markets activities like trading securities, foreign exchange, and derivatives. Additionally, it generates fee income from brokerage, investment advisory, and asset management services. Other revenue streams include bancassurance and insurance products, investment banking fees from mergers and acquisitions advisory and loan syndication, and trust and fiduciary services. The Nequi digital platform also contributes to its revenue through digital banking services.