Grupo Cibest S.A. (CIB) Balance Sheet

NYSE: CIBAssets, liabilities, debt and equity over 10 years.

CIB balance sheet, 2025

December 31, 2025 · COP

COP 379.35T assets = COP 338.40T liabilities + COP 40.95T equity

What it ownsCOP 379.35TCash & ST investments: COP 22.78T (6.0%)COP 22.78TReceivables: COP 643.35B (0.2%)PP&E: COP 6.73T (1.8%)Goodwill & intangibles: COP 4.48T (1.2%)LT investments: COP 37.63T (9.9%)LT investments COP 37.63TOther non-current: COP 307.73T (81.1%)Other non-currentCOP 307.73T · 81%=How it is financedCOP 379.35TCurrent liabilities: COP 675.32B (0.2%)Long-term debt: COP 15.23T (4.0%)Other LT liabilities: COP 322.49T (85.0%)Other LT liabilitiesCOP 322.49T · 85%Shareholders’ equity: COP 40.95T (10.8%)COP 40.95T

Both columns are drawn to the same scale: what CIB owns equals what it owes plus shareholders’ equity. Hover a block for its value.

CIB financial health

Debt / equity0.49
Low leverage · COP 0.49 of debt for each $1 of equity
Cash / debt117.7%
Cash covers debt · cash & short-term investments vs total debt
Goodwill & intangibles1.2%
Mostly tangible · of total assets

Descriptive bands, not a rating. Fiscal 2025.

CIB balance sheet trends, 2016–2025

MetricTrendThenLatestChange
Total assetsCOP 196.26T2016COP 379.35T2025+7.6%/yr
Total liabilitiesCOP 173.78T2016COP 338.40T2025+7.7%/yr
Shareholders’ equityCOP 21.27T2016COP 39.71T2025+7.2%/yr
Cash & short-term investmentsCOP 17.82T2016COP 22.78T2025+2.8%/yr
Total debtCOP 39.53T2016COP 19.36T2025−7.6%/yr
Net cash (debt)−COP 21.71T2016COP 3.42T2025COP 25.1T
Working capital−COP 87.51T2016COP 22.11T2025COP 109.6T
Debt / equity1.8620160.492025−1.37
Shares outstanding60.1M2016238.3M2025+16.5%/yr

Change is the average annual growth (CAGR) or the difference between the first and latest year.

CIB assets

Cash & ST investmentsReceivablesInventoryOther currentPP&EGoodwill & intangiblesLT investmentsOther non-current

CIB liabilities and equity

Current liabilitiesLong-term debtOther long-term liabilitiesEquity

CIB debt vs cash

Total debtCash & ST investmentsNet cash (debt)

Debt includes short- and long-term borrowings and, where reported, lease obligations.

CIB balance sheet in COP

2025202420232022202120202019201820172016
Assets
Cash & short-term investmentsCOP 22.78TCOP 30.06T−COP 27.97TCOP 24.72TCOP 23.15TCOP 20.19TCOP 18.26TCOP 17.80TCOP 17.28TCOP 17.82T
Cash & equivalentsCOP 22.78TCOP 27.12TCOP 31.96TCOP 24.72TCOP 23.15TCOP 20.19TCOP 18.26TCOP 17.80TCOP 17.28TCOP 17.82T
Short-term investmentsCOP 2.66TCOP 2.94T−COP 59.93T—COP 850.69BCOP 322.16BCOP 3.02TCOP 654.21BCOP 1.76TCOP 1.61T
ReceivablesCOP 643.35BCOP 28.46TCOP 28.45TCOP 1.07TCOP 1.64TCOP 1.20TCOP 802.07BCOP 24.04TCOP 22.99TCOP 22.27T
InventoryCOP 0COP 0−COP 474.05BCOP 608.45B−COP 29.46T−COP 25.83T−COP 26.90TCOP 2.01T−COP 19.40T−COP 21.78T
Other current assetsCOP 0COP 2.92TCOP 42.81TCOP 0COP 29.46TCOP 25.83TCOP 26.90TCOP 0COP 20.17TCOP 22.68T
Total current assetsCOP 22.78TCOP 61.44TCOP 42.81TCOP 25.79TCOP 24.79TCOP 21.39TCOP 19.06TCOP 43.05TCOP 41.05TCOP 40.99T
Property, plant & equipment (net)COP 6.73TCOP 7.84TCOP 8.16TCOP 8.55TCOP 6.80TCOP 5.96TCOP 5.52TCOP 3.42TCOP 3.17TCOP 3.15T
Goodwill & intangible assetsCOP 4.48TCOP 9.77TCOP 8.49TCOP 10.44TCOP 8.63TCOP 7.51TCOP 7.23TCOP 7.20TCOP 6.63TCOP 6.69T
Long-term investmentsCOP 37.63TCOP 40.50TCOP 29.56TCOP 30.86TCOP 32.01TCOP 32.06TCOP 20.02TCOP 20.17TCOP 18.27TCOP 14.70T
Other non-current assetsCOP 307.73TCOP 252.67TCOP 253.91TCOP 277.18TCOP 217.63TCOP 188.65TCOP 184.26TCOP 146.24TCOP 134.79TCOP 130.73T
Total assetsCOP 379.35TCOP 372.22TCOP 342.93TCOP 352.81TCOP 289.86TCOP 255.57TCOP 236.09TCOP 220.08TCOP 203.91TCOP 196.26T
Liabilities
Accounts payableCOP 1.94TCOP 1.84TCOP 6.46TCOP 6.02TCOP 3.98TCOP 3.15TCOP 3.48TCOP 1.39TCOP 1.25TCOP 1.29T
Short-term debtCOP 675.32BCOP 9.19TCOP 470.30BCOP 1.90TCOP 8.61TCOP 2.37TCOP 1.59TCOP 2.32TCOP 3.24TCOP 1.92T
Deferred revenue——−COP 6.46TCOP 250.99TCOP 77.11BCOP 24.93BCOP 34.29BCOP 44.60B−COP 8.29T−COP 9.81T
Total current liabilitiesCOP 675.32BCOP 291.23TCOP 634.63BCOP 6.02TCOP 3.98TCOP 3.15TCOP 3.48TCOP 147.47TCOP 137.78TCOP 128.50T
Long-term debtCOP 15.23TCOP 20.03TCOP 24.72TCOP 30.53TCOP 24.21TCOP 27.52TCOP 26.43TCOP 24.38TCOP 23.94TCOP 26.23T
Lease obligationsCOP 1.33TCOP 1.89TCOP 1.77TCOP 1.90TCOP 1.82TCOP 1.82TCOP 1.83TCOP 0COP 0COP 0
Other long-term liabilitiesCOP 322.49TCOP 16.36TCOP 278.52TCOP 0COP 9.15TCOP 6.49TCOP 11.78TCOP 21.57TCOP 17.76TCOP 19.05T
Total liabilitiesCOP 338.40TCOP 327.63TCOP 303.88TCOP 312.82TCOP 255.93TCOP 227.45TCOP 207.28TCOP 193.42TCOP 179.48TCOP 173.78T
Shareholders' equity
Common stock & paid-in capitalCOP 480.40BCOP 480.91BCOP 480.91BCOP 480.91BCOP 480.91BCOP 480.91BCOP 480.91BCOP 480.91BCOP 480.91BCOP 480.91B
Retained earnings (deficit)COP 7.19TCOP 31.56TCOP 8.63TCOP 10.06TCOP 7.36TCOP 4.19TCOP 7.81TCOP 3.91TCOP 3.57TCOP 6.38T
Treasury stock——————COP 0COP 0COP 0COP 0
Accumulated other comprehensive incomeCOP 27.19TCOP 6.65TCOP 24.12TCOP 23.69TCOP 19.54TCOP 17.02TCOP 13.73TCOP 12.94TCOP 11.59TCOP 9.55T
Minority interestCOP 1.24TCOP 1.04TCOP 960.22BCOP 908.65B——COP 0COP 0COP 0COP 0
Total shareholders' equityCOP 39.71TCOP 43.54TCOP 39.05TCOP 40.00TCOP 33.93TCOP 28.12TCOP 28.81TCOP 24.85TCOP 23.11TCOP 21.27T
Key figures
Total debtCOP 19.36TCOP 29.91TCOP 33.75TCOP 41.17TCOP 32.82TCOP 32.15TCOP 35.71TCOP 38.94TCOP 36.71TCOP 39.53T
Net cash (debt)COP 3.42TCOP 144.39B−COP 61.72T−COP 16.45T−COP 9.67T−COP 11.96T−COP 17.46T−COP 21.14T−COP 19.42T−COP 21.71T
Working capitalCOP 22.11T−COP 229.80TCOP 42.17TCOP 19.77TCOP 20.81TCOP 18.24TCOP 15.57T−COP 104.42T−COP 96.73T−COP 87.51T
Tangible book valueCOP 35.23TCOP 33.77TCOP 30.56TCOP 29.56TCOP 25.30TCOP 20.61TCOP 21.57TCOP 17.65TCOP 16.48TCOP 14.57T
Shares outstanding238.3M240.5M240.5M240.5M240.5M240.5M240.5M60.1M60.1M60.1M
Current ratio33.730.2167.454.286.236.795.470.290.300.32
Quick ratio34.690.200.754.286.236.795.470.280.290.31
Debt / equity0.490.690.861.030.971.141.241.571.591.86
Equity / assets10.5%11.7%11.4%11.3%11.7%11.0%12.2%11.3%11.3%10.8%

Quarterly columns are labeled by the month the quarter ended. Figures in COP as reported (latest annual report filed December 31, 2025); data from EODHD.

CIB financial position

At the end of fiscal 2025 (December 31, 2025), Grupo Cibest had total assets of COP 379.35 trillion (up 1.9% from a year earlier), total liabilities of COP 338.40 trillion and shareholders' equity of COP 39.71 trillion. It held COP 22.78 trillion in cash and short-term investments against COP 19.36 trillion of debt, a net cash position of COP 3.42 trillion. Its current ratio was 33.73. In the latest quarter (ended June 30, 2026) total assets were COP 351.19 trillion and equity COP 36.88 trillion.

Related: CIB income statement, CIB cash flow statement, CIB key metrics. See the CIB stock overview for the latest quote and news.

CIB balance sheet FAQ

What are Grupo Cibest's total assets?

Grupo Cibest reported total assets of COP 379.35 trillion at the end of fiscal 2025 (December 31, 2025), compared with COP 372.22 trillion a year earlier.

How much debt does Grupo Cibest have?

Grupo Cibest had COP 19.36 trillion of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.49.

How much cash does Grupo Cibest have?

Grupo Cibest held COP 22.78 trillion in cash and short-term investments at the end of fiscal 2025; with COP 19.36 trillion of debt that is net cash of COP 3.42 trillion.

What is Grupo Cibest's book value?

Grupo Cibest's shareholders' equity (book value) was COP 39.71 trillion at the end of fiscal 2025.

What is Grupo Cibest's current ratio?

Grupo Cibest had current assets of COP 22.78 trillion and current liabilities of COP 675.3 billion, a current ratio of 33.73 (it can cover its short-term obligations).

How much goodwill does Grupo Cibest have?

Grupo Cibest carried COP 4.48 trillion of goodwill and intangible assets, 1.2% of total assets, at the end of fiscal 2025.

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