Grupo Cibest is the holding company for Grupo Bancolombia, one of the largest financial groups in Latin America, with nearly 33 million customers across Colombia, El Salvador, Guatemala, and Panama. The flagship subsidiary, Bancolombia, is Colombia's largest non-government bank with roughly 27.6% market share in total net loans. Core products include loans (mortgages, consumer, credit cards, corporate credit), deposits, leasing, trust services, investment banking, and insurance distribution. Grupo Cibest earns primarily through net interest income — the spread between lending rates and deposit funding costs — with fee income from fiduciary, investment banking, brokerage, and bancassurance partnerships supplementing revenue. Low-cost deposits are a key funding advantage; Bancolombia holds roughly 31.8% of Colombian savings account deposits. Digital channels now account for more than 94% of transactions in Colombia, and Nequi, the group's fully digital financial app, is being licensed as a standalone financing company to compete directly with digital-native banks. Grupo Cibest and Nequi together hold 53% of keys in Bre-B, Colombia's new instant payment system. The group also owns Bancoagrícola, the dominant bank in El Salvador, and Banco Agromercantil (Bam), a mid-tier player in Guatemala. Banistmo, the second-largest bank in Panama, is being divested for USD 1.418B, sharpening the group's focus on Colombia, El Salvador, and Guatemala.