Bancolombia S.A. (CIB): Lienzo de Modelo de Negocio [Actualizado en Ene-2025]

En el panorama dinámico de la banca corporativa, Bancolombia S.A. (CIB) surge como una potencia financiera transformadora, posicionándose estratégicamente en la intersección de tecnología innovadora, servicios financieros integrales y soluciones centradas en el cliente. Al elaborar meticulosamente un lienzo de modelo de negocio que integra perfectamente la destreza digital, las asociaciones estratégicas e infraestructura bancaria robusta, Bancolombia se ha distinguido como una institución financiera líder en Colombia y América Central, ofreciendo a los clientes corporativos sofisticados una experiencia bancaria sin parar que transciende el servicio financiero tradicional paradigmas de servicio tradicional paradigmas .

Bancolombia S.A. (CIB) - Modelo de negocios: asociaciones clave

Alianzas estratégicas con instituciones financieras internacionales

Bancolombia ha establecido asociaciones estratégicas con las siguientes instituciones financieras internacionales:

Institución asociada	Detalles de la asociación	Año establecido
Banco Interamericano de Desarrollo (BID)	Finanzas comerciales y programas de préstamos sostenibles	2019
Corporación Internacional de Finanzas (IFC)	Iniciativas de financiamiento y sostenibilidad de las PYME	2017
Grupo del Banco Mundial	Infraestructura y financiamiento verde	2020

Asociaciones con proveedores de tecnología para soluciones de banca digital

Bancolombia colabora con proveedores de tecnología para mejorar las capacidades de banca digital:

• Microsoft Azure - Servicios de infraestructura en la nube
• IBM - Tecnologías de inteligencia artificial y blockchain
• Salesforce: plataformas de gestión de relaciones con el cliente
• SAP - Sistemas de planificación de recursos empresariales

Colaboración con corporaciones locales y multinacionales

Socio corporativo	Sector	Valor de asociación (USD)
Grupo Nutresa	Comida y bebida	$ 250 millones
Ecopetrol	Energía	$ 500 millones
Grupo Argos	Infraestructura	$ 180 millones

Acuerdos con nuevas empresas de FinTech para servicios financieros innovadores

Las asociaciones fintech de Bancolombia incluyen:

• NEQUI - Plataforma de servicios financieros móviles
• MovII - Billetera digital y soluciones de pago
• Tyba - Plataforma de inversión digital

Socio de fintech	Monto de inversión (USD)	Enfoque de asociación
Nequi	$ 45 millones	Innovación bancaria digital
Movii	$ 22 millones	Expansión del ecosistema de pago
Tyba	$ 15 millones	Plataformas de inversión digital

Bancolombia S.A. (CIB) - Modelo de negocio: actividades clave

Servicios de banca corporativa y de inversión

Bancolombia ofrece servicios integrales de banca corporativa y de inversión con las siguientes métricas clave:

Categoría de servicio	Volumen de transacción (2023)	Ingresos generados
Préstamo corporativo	COP 45.2 billones	COP 2.1 billones
Banca de inversión	COP 12.5 billones	Policía 680 mil millones
Fusiones & Aviso de adquisiciones	18 transacciones principales	Policía 320 mil millones

Desarrollo de la plataforma de banca digital

Las iniciativas clave de transformación digital incluyen:

• Usuarios de plataforma digital: 7.2 millones
• Transacciones bancarias móviles: 450 millones anuales
• Inversión en infraestructura digital: COP 320 mil millones en 2023

Gestión de riesgos y asesoramiento financiero

Área de gestión de riesgos	Exposición total	Presupuesto de mitigación de riesgos
Gestión de riesgos de crédito	COP 82.5 billones	COP 1.4 billones
Monitoreo del riesgo de mercado	COP 35.6 billones	Policía 620 mil millones

Apoyo a las finanzas de comercio internacional

Métricas de financiación comercial para 2023:

• Transacciones comerciales internacionales totales: USD 12.3 mil millones
• Volúmenes de pago transfronterizos: USD 8.7 mil millones
• Transacciones de plataforma digital de finanzas comerciales: 65% del volumen total

Soluciones de gestión de patrimonio e inversión

Producto de inversión	Activos totales bajo administración	Rendimiento anual promedio
Fondos mutuos	COP 15.6 billones	12.4%
Banca privada	COP 7.2 billones	14.2%
Gestión de fondos de pensiones	Policía 22.8 billones	10.6%

Bancolombia S.A. (CIB) - Modelo de negocio: recursos clave

Red de sucursal extensa

A partir de 2024, Bancolombia mantiene:

• Total de ramas: 1.254 en Colombia y América Central
• Red de cajeros automáticos: 3.872 máquinas
• Cobertura en 5 países: Colombia, Panamá, El Salvador, Guatemala, Honduras

País	Número de ramas	Número de cajeros automáticos
Colombia	1,089	3,245
Panamá	62	287
Países centroamericanos	103	340

Infraestructura bancaria digital

Estadísticas de plataformas digitales:

• Usuarios de banca móvil: 6.2 millones
• Usuarios bancarios en línea: 4.8 millones
• Volumen de transacción digital: 78% de las transacciones totales

Capital financiero y reservas

Métricas financieras a partir de 2024:

Indicador financiero	Cantidad (Cop Billion)
Activos totales	237,456
Patrimonio de los accionistas	28,765
Relación de capital de nivel 1	11.2%

Recursos humanos

Composición de la fuerza laboral:

• Total de empleados: 22,345
• Profesionales de tecnología: 3,456
• Promedio de la tenencia del empleado: 8.7 años

Capacidades de análisis de datos

Infraestructura de información de datos:

• Puntos de datos del cliente rastreados: 12.6 millones
• AI/Modelos de aprendizaje automático: 127
• Capacidad de procesamiento de datos en tiempo real: 5.3 petabytes/día

Bancolombia S.A. (CIB) - Modelo de negocio: propuestas de valor

Soluciones financieras integrales para clientes corporativos

Bancolombia ofrece soluciones financieras de clientes corporativos con los siguientes parámetros específicos:

Categoría de servicio	Valor total (2023)	Penetración del mercado
Préstamo corporativo	COP 47.8 billones	38.5% de participación de mercado
Finanzas comerciales	COP 12.3 billones	42.7% de cobertura del mercado
Gestión de efectivo	COP 6.5 billones	35.2% Base de clientes corporativos

Tecnologías de banca digital avanzadas

• Volumen de transacciones digitales: 1.200 millones de transacciones anuales
• Usuarios de banca móvil: 4.3 millones de usuarios activos
• Disponibilidad de la plataforma digital: 99.97% de tiempo de actividad

Servicios de asesoramiento financiero personalizado

Métricas de servicio de asesoramiento para 2023:

Tipo de servicio	Total de clientes atendidos	Valor de asesoramiento promedio
Planificación financiera corporativa	2.780 clientes corporativos	COP 580 millones por cliente
Consultoría de estrategia de inversión	1.245 clientes de alto valor de la red	COP 420 millones por cliente

Plataformas bancarias e de inversión integradas

Estadísticas de integración de la plataforma:

• Cuentas de inversión integradas totales: 187,000
• Volumen de transacción multiplataforma: COP 24.6 billones
• Cobertura de seguimiento de inversiones en tiempo real: 98.5%

Enfoque bancario sostenible y socialmente responsable

Métrica de sostenibilidad	2023 rendimiento	Asignación de inversión
Iniciativas de finanzas verdes	COP 3.2 billones	7.4% de la cartera de préstamos totales
Inversiones de impacto social	COP 1.8 billones	4.2% del capital de inversión total

Bancolombia S.A. (CIB) - Modelo de negocios: relaciones con los clientes

Gestión de relaciones dedicada para clientes corporativos

Bancolombia ofrece una gestión especializada de relaciones con 347 gerentes de relaciones bancarias corporativas a partir de 2023. El banco atiende a 4,782 clientes corporativos en múltiples sectores.

Segmento de clientes	Número de clientes	Valor de relación promedio
Grandes corporaciones	1,256	Policía 127.5 mil millones
Empresas medianas	2,346	Policía 42.3 mil millones
Clientes internacionales	1,180	COP 89.7 mil millones

Plataformas de banca de autoservicio digital

Estadísticas de uso de la plataforma de banca digital para 2023:

• Usuarios de banca digital total: 6.2 millones
• Transacciones bancarias móviles: 287 millones anuales
• Penetración bancaria en línea: 68% de la base total de clientes

Servicios de consulta financiera personalizada

Bancolombia ofrece 672 asesores financieros dedicados especializados en estrategias financieras corporativas. Tiempo de consulta promedio por cliente corporativo: 3.4 horas mensuales.

Tipo de consulta	Número de servicios	Calificación promedio de satisfacción del cliente
Planificación financiera estratégica	4.521 consultas	4.7/5
Aviso de gestión de riesgos	2,876 consultas	4.5/5

Información regular del mercado e informes financieros

Bancolombia produce 1.248 informes integrales de investigación de mercado anualmente, distribuidos a clientes corporativos.

• Informes de perspectivas económicas trimestrales: 4 por año
• Informes de análisis específicos del sector: 36 por año
• Informes de inteligencia de mercado personalizados: 212 en 2023

Atención al cliente a través de múltiples canales

Métricas de soporte multicanal para 2023:

Canal de soporte	Interacciones totales	Tiempo de respuesta promedio
Soporte telefónico	1.2 millones	7.5 minutos
Soporte por correo electrónico	876,000	4.2 horas
Chat en vivo	542,000	3.6 minutos
Redes sociales	214,000	6.8 horas

Bancolombia S.A. (CIB) - Modelo de negocio: canales

Plataformas de banca en línea

A partir de 2024, la plataforma bancaria en línea de Bancolombia atiende a 7.2 millones de usuarios digitales activos. La plataforma procesa aproximadamente 320 millones de transacciones digitales mensuales.

Métrico de canal digital	Valor
Usuarios digitales activos	7.2 millones
Transacciones digitales mensuales	320 millones
Tasa de penetración bancaria en línea	68.3%

Aplicaciones de banca móvil

La aplicación móvil de Bancolombia tiene 5.9 millones de usuarios mensuales activos, lo que representa un aumento del 41.2% de 2023.

• Descargas de aplicaciones móviles: 12.4 millones
• Transacciones móviles mensuales promedio: 245 millones
• Valor de transacción de banca móvil: COP 38.7 billones

Red de sucursales físicas

Bancolombia mantiene 739 ramas físicas en Colombia, con 4.286 cajeros automáticos en todo el país.

Métrico de canal físico	Valor
Ramas físicas totales	739
Red de cajeros automáticos	4,286
Cobertura de la red de sucursales	87% de los municipios colombianos

Centros de banca corporativa

Bancolombia opera 42 centros bancarios corporativos especializados que atienden a grandes empresas y clientes institucionales.

• Centros de banca corporativa: 42
• Segmento de clientes corporativos: 8.500 empresas
• Volumen de transacción bancaria corporativa: COP 156.3 billones

Portales de comunicación digital y servicio al cliente

Los canales de servicio al cliente digital del banco manejan el 76% de las interacciones del cliente a través de múltiples puntos de contacto digitales.

Canal de servicio digital	Interacciones mensuales
Banca de WhatsApp	3.2 millones
Soporte del sitio web	1.8 millones
Soporte de aplicaciones móviles	2.5 millones

Bancolombia S.A. (CIB) - Modelo de negocio: segmentos de clientes

Grandes clientes corporativos

Bancolombia atiende a grandes clientes corporativos con ingresos anuales que superan a COP 300 mil millones. A partir de 2024, el banco administra aproximadamente 1,200 grandes cuentas corporativas en varios sectores.

Característica de segmento	Datos específicos
Total de clientes corporativos	1.200 empresas
Umbral de ingresos anual promedio	Policía 300 mil millones
Cobertura del sector	Fabricación, energía, infraestructura, telecomunicaciones

Empresas medianas

Bancolombia se dirige a empresas medianas con ingresos anuales entre COP 50-300 mil millones. El banco atiende a aproximadamente 3.500 clientes empresariales medianos.

• Total Medium Enterprise Clientes: 3,500
• Rango de ingresos: COP 50-300 mil millones
• Enfoque clave de la industria: agricultura, servicios, tecnología

Corporaciones multinacionales

Bancolombia ofrece servicios bancarios especializados a 250 corporaciones multinacionales que operan en América Latina. La división bancaria internacional del banco administra aproximadamente USD 12 mil millones en activos bancarios corporativos.

Segmento corporativo multinacional	Detalles cuantitativos
Clientes multinacionales totales	250 corporaciones
Activos bancarios internacionales	USD 12 mil millones
Presencia geográfica	América Latina

Inversores institucionales

Bancolombia administra carteras de inversión para 180 inversores institucionales, y los activos totales bajo administración alcanzan aproximadamente COP 45 billones.

• Inversores institucionales totales: 180
• Activos bajo administración: COP 45 billones
• Tipos de inversores: fondos de pensiones, compañías de seguros, fondos de inversión

Individuos de alto nivel de red

La división de banca privada de Bancolombia atiende a 5,000 personas de alto patrimonio con activos invertibles que superan a COP 10 mil millones por cliente.

Segmento individual de alto nivel de red	Métricas específicas
Total de los clientes de alto nivel de red	5,000 individuos
Activos mínimos invertibles	Policía 10 mil millones
Servicios de gestión de patrimonio	Estrategias de inversión personalizadas

Bancolombia S.A. (CIB) - Modelo de negocio: Estructura de costos

Inversiones de infraestructura tecnológica

En 2023, Bancolombia invirtió 535.7 mil millones de pesos colombianos en infraestructura tecnológica y transformación digital. El banco asignó inversiones específicas en varios dominios tecnológicos:

Categoría de inversión tecnológica	Cantidad (miles de millones de policías)
Actualización de sistemas bancarios centrales	187.5
Mejoras de ciberseguridad	95.3
Infraestructura de computación en la nube	126.2
AI y herramientas de aprendizaje automático	76.7

Salarios y capacitación de los empleados

Los gastos totales de personal para Bancolombia en 2023 alcanzaron 2.1 billones de pesos colombianos. Desglose de los costos relacionados con los empleados:

• Salarios base: 1.45 billones de policías
• Capacitación y desarrollo profesional: 85.6 mil millones de policías
• Beneficios y Seguridad Social: 412.4 mil millones de policías

Gastos de cumplimiento regulatorio

Bancolombia gastó 157.3 mil millones de pesos colombianos en cumplimiento regulatorio en 2023, incluyendo:

Área de cumplimiento	Gasto (miles de millones de policías)
Sistemas anti-lavado de dinero	62.5
Marcos de gestión de riesgos	45.8
Costos de informes y auditorías	49.0

Mantenimiento de la plataforma digital

Los costos de mantenimiento de la plataforma digital para 2023 totalizaron 123.6 mil millones de pesos colombianos, que incluyen:

• Plataforma de banca móvil: 45.2 mil millones de policías
• Infraestructura de banca web: 38.7 mil millones de policías
• Actualizaciones de seguridad digital: 39.7 mil millones de policías

Costos de marketing y adquisición de clientes

El gasto de marketing para Bancolombia en 2023 ascendió a 186.4 mil millones de pesos colombianos:

Canal de marketing	Gasto (miles de millones de policías)
Marketing digital	78.3
Publicidad de medios tradicional	62.1
Campañas de adquisición de clientes	46.0

Bancolombia S.A. (CIB) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos corporativos

Para el año fiscal 2023, Bancolombia reportó ingresos por intereses de préstamos corporativos a COP 9.4 billones (aproximadamente USD 2.4 mil millones). El desglose de la cartera de préstamos mostró:

Categoría de préstamo	Ingresos (billones de policías)	Porcentaje
Grandes préstamos corporativos	5.6	59.6%
Préstamos corporativos de tamaño mediano	2.8	29.8%
Pequeños préstamos corporativos	1.0	10.6%

Tarifas de banca de inversión

Los ingresos de la banca de inversión para 2023 llegaron a COP 387 mil millones (aproximadamente USD 98 millones), con el siguiente desglose del servicio:

• Aviso de fusiones y adquisiciones: COP 156 mil millones
• Mercados de capital de deuda: COP 112 mil millones
• Mercados de capital de renta variable: COP 119 mil millones

Cargos de servicio bancario digital

Los ingresos de banca digital en 2023 totalizaron COP 542 mil millones (aproximadamente USD 137 millones), con:

Servicio digital	Ingresos (billones de policías)
Tarifas de transacción en línea	276
Cargos de banca móvil	194
Mantenimiento de la cuenta digital	72

Ingresos de transacciones de divisas

Los ingresos por divisas para 2023 ascendieron a COP 623 mil millones (aproximadamente USD 158 millones), segmentados de la siguiente manera:

• Transacciones corporativas FX: COP 412 mil millones
• Transacciones minoristas de FX: COP 156 mil millones
• Comercio internacional Servicios FX: COP 55 mil millones

Tarifas de servicio de gestión de activos y asesoramiento

Las tarifas de gestión de activos para 2023 totalizaron COP 298 mil millones (aproximadamente USD 75 millones), distribuidas en todo:

Tipo de servicio	Ingresos (billones de policías)	Porcentaje
Gestión de patrimonio	156	52.3%
Gestión de fondos de pensiones	87	29.2%
Aviso de inversión	55	18.5%

Bancolombia S.A. (CIB) - Canvas Business Model: Value Propositions

You're looking at the core value Bancolombia S.A. delivers across its segments right now, late in 2025. It's a mix of deep digital penetration and established regional presence.

Integrated financial solutions across banking, brokerage, and investment

Bancolombia S.A. provides a full spectrum of services, recognized by industry accolades as of the latest reporting periods.

Award/Recognition	Metric/Date
Best Digital Bank for Individuals and Businesses in Colombia	2025 Award
Best Investment Banking in Colombia	2025 Award

Digital-first, no-fee banking via Nequi for financial inclusion

The mobile platform, Nequi, is central to reaching the underbanked, with significant user adoption and growth figures.

• Nequi User Base (Early 2025): 21 million users
• Nequi Business/Entrepreneur Users: 15% of user base
• Colombian Mobile Payment Users without Credit Card: 48%
• Projected Annual Growth for Account-Based Transfers (through 2027): 24%
• A la mano Users Integrated into Nequi (Starting March 2025): 5.4 million users

Regional diversification and stability across Central America

Stability is supported by regional operations, with key subsidiaries receiving recognition for their specialized financing activities.

• Banistmo Award (Central America Infrastructure Financing of the Year): 2024

Competitive, low cost of funding (savings accounts at 2.3% cost)

The bank maintains a funding structure that aims for cost advantages, though specific savings account costs are highly dynamic.

Funding Component	Stated/Target Cost
Savings Accounts Cost	2.3%

Sustainable financing and social project support (COP 34 billion reserve)

Bancolombia S.A. is actively mobilizing capital toward environmental and social objectives, with specific commitments and disbursements.

• Committed Financing for Decarbonization (2020-2030): COP 40 trillion
• Decarbonization Financing Disbursed (2024): COP 1.2 trillion
• Mobilization Ambition for Sustainable Cities/Communities (This Decade): Over COP 500 billion
• Stated Social Project Reserve Amount: COP 34 billion

Bancolombia S.A. (CIB) - Canvas Business Model: Customer Relationships

You're looking at how Bancolombia S.A. manages its vast and varied customer base as of late 2025. It's a dual approach, balancing high-touch service for big clients with massive scale for digital users.

Dedicated relationship managers for corporate and institutional clients

For the corporate and institutional segments, Bancolombia S.A. deploys dedicated relationship structures. While the exact count of dedicated relationship managers isn't public, the scale of the operation supports this model; the entire Bancolombia Group employs approximately 34,000 people across Latin America. The bank operates through distinct segments including Corporate and Government Banking, and Investment Banking, which inherently require specialized, high-touch client management. This segment is part of the 46.11% of the holding company owned by Grupo de Inversiones Suramericana. The bank's focus on ESG engagement, such as financing over 1200 projects with 3 billion pesos COP in 2024 for circular transition, is managed through these high-level client interactions.

Automated, self-service model for Nequi and digital users

The self-service relationship for digital users is anchored by Nequi. As of late 2025, Nequi boasts up to 24 million users, meaning three out of five adults in Colombia use the platform to manage finances from their smartphones. This massive scale necessitates automation. Since its integration with EBANX in 2020, Nequi's user base jumped from 4.8 million to its current figures. The platform handles a significant volume, with merchants seeing an average month-over-month growth of 33% in transaction volume using Nequi since September of the previous year. This digital channel contributes to Bancolombia's overall reach, which handles more than 72% of the country's financial transactions.

Personalized financial solutions driven by customer data

Bancolombia S.A. uses customer data to tailor offerings across its segments. For instance, the bank's focus on asset quality improvement in 2025 involved better risk segmentation and improved knowledge about clients' operations. In the digital sphere, Nequi leverages proprietary technology and data to design its innovative products, including credit offerings. The bank's overall Return on Equity (ROE) annualized was reported around 20.4% in Q3 2025, signaling effective capital deployment, which is partly driven by these data-informed strategies. The bank's Net Interest Margin (NIM) rebounded to 6.6% in Q2 2025, reflecting successful management of its large deposit base, which grew almost 13% annually for Bancolombia as a whole in Q1 2025.

Sustainability-focused engagement and social impact initiatives

Customer relationships are increasingly tied to sustainability commitments. Bancolombia S.A. has been part of the Dow Jones Sustainability Index (DJSI) for 12 years, consolidating its position as a top sustainable bank in America in 2024. The bank's eco-efficiency strategy aims to reduce CO2e by 95% by 2030 compared to 2019 levels; they achieved a 78% reduction by the end of 2024. Through its sustainable financing line in 2024, the bank financed over 1200 projects, resulting in 39,151,099 m3 of water saved and 1,142,931 ton CO2 emissions avoided for its clients. They were recognized by Merco as Colombia's top ESG Company for the sixth consecutive year in 2025. This commitment is a key part of engagement for its corporate clients.

Multi-channel service for seamless physical-to-digital migration

The strategy involves expanding coverage through both physical and digital channels. Bancolombia S.A. serves over 33 million clients consolidated, with over 18 million in Colombia, maintaining a strong physical footprint alongside its digital push. The success of this migration is evident in the deposit growth: deposits increased almost 13% annually for the group in Q1 2025, while Nequi deposits alone saw a 70% year-over-year increase, showing the digital channel's power to attract granular funding without raising costs. The bank's cost-to-income ratio is expected to gradually return to about 50% in 2024-2025, indicating efficiency gains from digital adoption.

Here's a quick look at the scale of the customer base across the primary channels:

Segment Focus	Metric	Value (As of 2025 Data)
Bancolombia (Consolidated)	Total Clients	33 million
Bancolombia (Colombia)	Clients in Core Market	Over 18 million
Nequi (Digital Unit)	User Base	Up to 24 million
Bancolombia Group	Financial Transactions Handled	More than 72% of the country's
Bancolombia (Colombia)	Deposit Market Share	26%

The bank's ability to maintain a low funding cost, lower than main peers, is directly supported by this large and stable deposit base. The overall strategy is about managing this massive scale efficiently, so the cost-to-income ratio is targeted around 50% for 2024-2025. If onboarding for new digital services takes 14+ days, churn risk rises, which is why Nequi's seamless experience is critical. Finance: draft the 2026 budget allocation between physical branch upgrades and Nequi feature development by next Tuesday.

Bancolombia S.A. (CIB) - Canvas Business Model: Channels

You're looking at how Bancolombia S.A. gets its value propositions to its customers across various touchpoints as of late 2025. It's a mix of heavy digital presence and deep physical reach, which is key in the markets Bancolombia S.A. serves.

Digital banking apps: Mi Bancolombia and Nequi

The digital front is dominated by two major platforms. Nequi, the digital wallet unit, is massive; as of early 2025, it served 21 million users, which is about half the adult population in Colombia. This growth is still accelerating, with merchants offering Nequi seeing transaction volumes increase by an average of 33% month-over-month since September of the prior year. Furthermore, starting March 5, 2025, Bancolombia S.A. began integrating 5.4 million users from its legacy 'A la mano' service directly into the Nequi platform. The main Bancolombia App, meanwhile, is used by roughly three million of the bank's customers in Colombia for core banking functions.

The digital channel strategy relies on high adoption and integration:

• Nequi users: 21 million as of early 2025.
• Bancolombia App users (Colombia): Approximately 3 million.
• Nequi business/entrepreneur users: 15% of the total base.
• Digital transformation investment for 2025: $140 million USD total, with about 80% for Colombian operations.

Physical branch network and banking agents

Despite the digital push, physical presence remains critical for coverage and liquidity management. Bancolombia S.A. maintains a significant physical footprint, which includes approximately 580 branches across its operations. The agent network is the true scale play, with the bank reporting 34,600 banking agents. This agent network has been a cornerstone of Bancolombia S.A.'s strategy to reach municipalities where a full branch isn't viable [cite: 13, 20 (from previous search)].

Here's a look at the scale of the physical and agent network as reported:

Channel Component	Reported Quantity	Context/Date Reference
Banking Agents (Bancolombia S.A.)	34,600	As of September 2024 data point
Total Branches (Group)	Approximately 580	As of January 2025 data point
ATMs (Domestic)	Approximately 5,170	As of January 2025 data point

Wompi payment gateway for merchant services

Wompi is the dedicated payment gateway, which has captured one-fifth of the market share. It directly connects merchants to the massive digital user base, including reaching over 6 million Nequi users for payments. Wompi also pushes credit products through its platform.

Wompi's merchant channel features include:

• Market Share: One-fifth of the market.
• Nequi Reach: Access to over 6 million users.
• BNPL Offer: 0% interest rate for up to 4 monthly installments.
• BNPL Minimum Transaction: Starting from $100,000 COP.

Securities brokerage via Valores Bancolombia

The investment arm, Valores Bancolombia, utilizes digital tools to channel client assets. Its robo-advisor, 'Invesbot,' has already facilitated investment flows exceeding $22 million, which translates to 63 billion pesos. This shows a direct channel for wealth management services via digital advice.

International and offshore banking units

Bancolombia S.A.'s reach extends beyond Colombia through its international units in Panama, El Salvador, Guatemala, Cayman, and Puerto Rico. The Group's overall investment portfolio, which reflects activity across these units, stood at COP 36,394 billion at the close of the first quarter of 2025. The total assets for the entire Group as of March 31, 2025, were COP 364,125 billion.

The international channel scale is reflected in the balance sheet data:

Metric	Amount (as of March 31, 2025)	Currency/Unit
Grupo Bancolombia Investment Portfolio	36,394	COP billion
Grupo Bancolombia Total Assets	364,125	COP billion

Bancolombia S.A. (CIB) - Canvas Business Model: Customer Segments

You're looking at the core groups Bancolombia S.A. serves across its footprint as of late 2025. This bank has a massive reach, which is key to its stability, even with the geopolitical noise surrounding Colombia.

Mass market individuals (over 18 million in Colombia)

Bancolombia S.A. is the backbone of commerce in Colombia, serving a huge base of individual clients. The bank reports having more than 30 million customers across its operations, making it by far the largest bank in the country. This scale helps it maintain a competitive advantage in spending on IT and talent recruitment.

In the core Colombian retail segment, Bancolombia has been gaining ground against peers in securing funding from individuals. As of February 2025, the bank's market share in savings accounts and time deposits had increased by 110 basis points compared to December 2021.

Unbanked and underbanked populations (Nequi users)

The digital sub-brand, Nequi, is central to reaching populations less served by traditional banking. As of August 2025, Nequi reported having more than 25 million users in Colombia. Honestly, three out of every five adults in Colombia use Nequi to manage their finances on their smartphones.

The engagement level is high; 78% of Nequi clients are active at least once a month moving money. This segment is also showing entrepreneurial activity:

• Businesses and entrepreneurs now account for 15% of Nequi's total user base.
• The platform facilitated over 550 million transactions monthly on average during the first seven months of 2025.
• Over 13 million people adopted value-added services like credits or insurance through Nequi between January and July 2025.

Corporate, institutional, and government clients

Bancolombia S.A. provides a full suite of services to larger entities, including corporate, institutional, and government clients across its operating segments. The bank's Valores Bancolombia division specifically focuses on capital markets needs for companies and government entities related to investment, financing, and risk management.

The institution plays a major role in bolstering the productive sector. Between January and June 2025, Bancolombia's total funding disbursed across various industries reached 52.9 trillion COP (equivalent to about $13.2 billion USD). While consumer lending gained momentum in Q2 2025, commercial lending expanded at a more modest pace during that quarter.

Small and Medium-sized Enterprises (SMEs)

SMEs are a distinct focus, particularly within the commercial lending portfolio. The bank's lending diversification by economic sector helps provide stability against a cooling economy.

Here's a quick look at key segment metrics as of mid-2025:

Segment Focus Area	Metric/Value	Context/Date
Total Customer Base (Group)	More than 30 million	As of late 2025
Nequi Active Monthly Users	More than 20.7 million	As of July 2025
Total Funding Disbursed (Jan-Jun 2025)	52.9 trillion COP (approx. $13.2 billion USD)	Across all industries
Panama Subsidiary (Banistmo) Net Income Growth	11.5% increase	Q1 2025
Guatemala Subsidiary (BAM) Expected ROE	Close to 14%, 15%	Target for 2025

Regional customers in El Salvador, Panama, and Guatemala

Bancolombia S.A. operates through dedicated banking segments in Central America, including Banking Panama, Banking El Salvador, and Banking Guatemala. This geographic diversification is a key strength.

The subsidiaries are showing distinct performance trends as of early 2025:

• In Panama, Banistmo saw its net income increase by 11.5% in the first quarter of 2025, driven by retail portfolio performance.
• Banco Agromercantil (BAM) in Guatemala is expected to deliver a return on equity (ROE) close to 14% to 15% for 2025.
• The bank maintains its client base and operations in El Salvador, which is one of its nine operating segments.

If onboarding takes 14+ days in these regions, churn risk rises.

Finance: draft 13-week cash view by Friday.

Bancolombia S.A. (CIB) - Canvas Business Model: Cost Structure

You're looking at the core expenses that drive Bancolombia S.A. (CIB)'s operations as of late 2025. These numbers show where the capital is flowing to keep the lights on and manage risk.

Interest expense on deposits and borrowings

The cost of funding is a major component. For Bancolombia S.A. standalone, the Interest and similar expense for the period ending June 30, 2025, was reported as (COP 26,572,667 million). This contrasts with the previous period's figure of (COP 22,196,017 million). In the second quarter of 2025, the cost of deposits remained competitive at 4.2%. Still, interest expenses rose in Q2 2025 in line with a larger deposit base and funding cost dynamics. The annualized weighted average cost of funds was 4.09% in Q1 2025, which was a reduction of 37 basis points compared to Q4 2024.

Provision charges for loan losses (Cost of Risk at 1.6% Q2 2025)

Managing credit risk is central, and the Cost of Risk figure for Q2 2025 was reported at 1.6%. This was an improvement from the 1.8% recorded in March 2025. For Q1 2025, the quarterly annualized Cost of Credit was 1.59%, while the figure for the last 12 months was 1.94%. Provision charges (after recoveries) totaled COP 1,099 billion in Q1 2025, an 18.3% sequential increase from Q4 2024. The Loan Portfolio Provision for the consolidated entity as of Q2 2025 was COP 12,243,496 million.

Technology and cloud migration expenses

Technology spend is a significant area of cost, often grouped within general expenses. General expenses for Bancolombia S.A. in Q1 2025 totaled COP 1,972 billion. This was down 12.9% from the previous quarter, largely due to lower expenses on technology fees related to projects and license amortization. The bank is continuing its modernization, leveraging migration to cloud components for key services. While Bancolombia specific figures for cloud migration are not detailed, the industry trend shows significant investment; for instance, Brazilian banks projected cloud migration investments to reach 3.13bn reais in 2025.

Personnel and administrative expenses (annual growth below inflation)

Personnel costs are a fixed component of the cost base. In Q1 2025, Personnel expenses for Bancolombia S.A. were COP 1,530 billion. Total Operating Expenses in Q1 2025 were COP 3,502 billion, a decrease of 7.7% compared to Q4 2024. To give you context on the inflation side, Colombia's annual inflation rate in September 2025 reached 5.18%. For the prior year, annual operating expense growth was limited to 5.3%, which was below inflation at that time.

Costs related to physical branch and ATM network maintenance

The physical footprint represents ongoing maintenance costs. As of March 31, 2025, Grupo Bancolombia operated 852 branches and 6,103 ATMs. Costs associated with technology maintenance and licensing, which would include network upkeep, contributed to a 6.3% year-over-year increase in General Expenses in Q1 2025 compared to Q1 2024.

Here are the key operational metrics that feed into these cost calculations:

Metric	Value	Period/Context
Personnel Expenses	COP 1,530 billion	Q1 2025 (Bancolombia S.A.)
Total Operating Expenses	COP 3,502 billion	Q1 2025 (Bancolombia S.A.)
Branches	852	As of March 31, 2025 (Grupo Bancolombia)
ATMs	6,103	As of March 31, 2025 (Grupo Bancolombia)
Annualized Weighted Average Cost of Funds	4.09%	Q1 2025
Cost of Deposits	4.2%	Q2 2025

The ongoing operational expenses also include costs related to supplier management, as the continuous evaluation of critical suppliers seeks to guarantee the control environment.

Bancolombia S.A. (CIB) - Canvas Business Model: Revenue Streams

You're looking at how Bancolombia S.A. (CIB) converts its operations into hard cash as of late 2025. The revenue streams are heavily weighted toward traditional banking activities, though digital integration is clearly driving volume.

Net Interest Income (NII) remains the bedrock. For the second quarter of 2025, the Net Interest Income saw an increase of 2.5% during the quarter, supported by growth in both loans and investments. This performance was underpinned by a strong Net Interest Margin (NIM), which rebounded to 6.6% in Q2 2025, reflecting effective asset management despite the evolving interest rate environment. Honestly, that NIM figure shows they are managing funding costs well. The cost of deposits stayed competitive at 4.2% in Q2 2025.

The overall top line is substantial. Total revenue for the trailing twelve months (TTM) as of late 2025 stands at $6.98 Billion USD.

Loan portfolio growth is a key driver for NII expansion. While the loan book was almost flat quarter-over-quarter at the end of June 2025 due to peso appreciation, the year-over-year growth was 4.4%. For the full year 2025, Bancolombia had targeted consolidated loan growth around 5.6% based on earlier 2025 outlooks.

Fee and service income from transactional and banking services, plus investment banking and brokerage commissions, contribute significantly to non-interest income. Management noted that strong performance in fees and commissions is expected to feed very positively into the non-interest income line. The bank serves over 33 million clients as of Q2 2025, with 18 million clients in the core Colombian market, providing a massive transactional base for fee generation.

Here's a quick look at how these core revenue drivers are positioned:

Revenue Component	Latest Metric/Figure	Context/Period
Total Revenue (TTM)	$6.98 Billion USD	As of late 2025
Net Interest Margin (NIM)	6.6%	Q2 2025
Net Interest Income Growth	2.5% increase	Q2 2025 over prior quarter
Loan Portfolio Growth Guidance (2025)	5.6%	Consolidated 2025 Outlook
Loan Portfolio Growth (YoY)	4.4%	As of end of June 2025
Cost of Deposits	4.2%	Q2 2025

The revenue streams are also supported by diversified operations outside Colombia, specifically in Central America, which offers valuable diversification. You can see the focus on volume driving the core interest income, while the large client base supports the fee-based income streams.

• Mortgage lending was the most dynamic loan segment in Q2 2025.
• Consumer lending gained momentum, driven by credit cards and payroll loans.
• Digital channels, like Nequi, are expected to reach breakeven by the beginning of 2026.
• Savings balances growth was led by the retail segment.

The bank's structure now includes fiduciary, brokerage, investment banking, and offshore banking services consolidated under Grupo Cibest. Finance: draft 13-week cash view by Friday.