Bancolombia S.A. (CIB): Business Model Canvas [Jan-2025 Mis à jour]

Dans le paysage dynamique de la banque d'entreprise, Bancolombia S.A. (CIB) apparaît comme une puissance financière transformatrice, se positionnant stratégiquement à l'intersection de la technologie innovante, des services financiers complets et des solutions centrées sur le client. En fabriquant méticuleusement une toile de modèle commercial qui intègre de manière transparente les prouesses numériques, des partenariats stratégiques et des infrastructures bancaires robustes, Bancolombie s'est distinguée comme une institution financière de premier plan en Colombie et en Amérique centrale, offrant aux clients des entreprises sophistiquées une expérience bancaire inégalée qui transcende le service financier traditionnel paradigms des clients des entreprises .

Bancolombia S.A. (CIB) - Modèle commercial: partenariats clés

Alliances stratégiques avec des institutions financières internationales

Bancolombie a établi des partenariats stratégiques avec les institutions financières internationales suivantes:

Institution partenaire	Détails du partenariat	Année établie
Banque de développement interaméricaine (BID)	Finances commerciales et programmes de prêt durable	2019
International Finance Corporation (IFC)	Initiatives de financement et de durabilité des PME	2017
Groupe de la Banque mondiale	Infrastructure et financement vert	2020

Partenariats avec les fournisseurs de technologies pour les solutions bancaires numériques

Bancolombie collabore avec les fournisseurs de technologies pour améliorer les capacités de la banque numérique:

• Microsoft Azure - Cloud Infrastructure Services
• IBM - Intelligence artificielle et technologies de la blockchain
• Salesforce - plateformes de gestion de la relation client
• SAP - Systèmes de planification des ressources d'entreprise

Collaboration avec des sociétés locales et multinationales

Partenaire	Secteur	Valeur du partenariat (USD)
Grupo NutResa	Nourriture et boisson	250 millions de dollars
Écopetrol	Énergie	500 millions de dollars
Grupo Argos	Infrastructure	180 millions de dollars

Accords avec startups fintech pour les services financiers innovants

Les partenariats fintech de Bancolombie comprennent:

• Nequi - Plateforme de services financiers mobiles
• Movii - Solutions de portefeuille numérique et de paiement
• Tyba - plate-forme d'investissement numérique

Partenaire fintech	Montant d'investissement (USD)	Focus de partenariat
Nequi	45 millions de dollars	Innovation bancaire numérique
Movii	22 millions de dollars	Expansion de l'écosystème de paiement
Tyba	15 millions de dollars	Plates-formes d'investissement numériques

Bancolombia S.A. (CIB) - Modèle d'entreprise: activités clés

Services de banque d'entreprise et d'investissement

Bancolombia fournit des services complets de banque d'entreprise et d'investissement avec les mesures clés suivantes:

Catégorie de service	Volume de transaction (2023)	Revenus générés
Prêts aux entreprises	Flic 45,2 billions	Flic 2,1 billions
Banque d'investissement	Flic 12,5 billions	Flic 680 milliards
Fusion & Conseil des acquisitions	18 transactions majeures	Flic 320 milliards

Développement de la plate-forme bancaire numérique

Les principales initiatives de transformation numérique comprennent:

• Utilisateurs de plate-forme numérique: 7,2 millions
• Transactions bancaires mobiles: 450 millions par an
• Investissement dans les infrastructures numériques: COP 320 milliards en 2023

Gestion des risques et avis financier

Zone de gestion des risques	Exposition totale	Budget d'atténuation des risques
Gestion des risques de crédit	Flic 82,5 billions	Flic 1,4 billion
Surveillance des risques de marché	Flic 35,6 billions	Flic 620 milliards

Soutien au financement du commerce international

Mesures de financement commercial pour 2023:

• Total des transactions commerciales internationales: 12,3 milliards USD
• Volumes de paiement transfrontaliers: 8,7 milliards de dollars
• Transactions de plate-forme numérique de financement commercial: 65% du volume total

Solutions de gestion de patrimoine et d'investissement

Produit d'investissement	Total des actifs sous gestion	Rendement annuel moyen
Fonds communs de placement	Flic 15,6 billions	12.4%
Banque privée	Flic 7,2 billions	14.2%
Gestion des fonds de retraite	Flic 22,8 billions	10.6%

Bancolombia S.A. (CIB) - Modèle d'entreprise: Ressources clés

Réseau de succursale étendue

En 2024, Bancolombia maintient:

• Branches totales: 1 254 en Colombie et en Amérique centrale
• Réseau ATM: 3 872 machines
• Couverture dans 5 pays: Colombie, Panama, El Salvador, Guatemala, Honduras

Pays	Nombre de branches	Nombre de distributeurs automatiques de billets
Colombie	1,089	3,245
Panama	62	287
Pays d'Amérique centrale	103	340

Infrastructure bancaire numérique

Statistiques des plates-formes numériques:

• Utilisateurs des banques mobiles: 6,2 millions
• Utilisateurs bancaires en ligne: 4,8 millions
• Volume des transactions numériques: 78% du total des transactions

Capital financier et réserves

Mesures financières à partir de 2024:

Indicateur financier	Montant (COP milliards)
Actif total	237,456
Capitaux propres des actionnaires	28,765
Ratio de capital de niveau 1	11.2%

Ressources humaines

Composition de la main-d'œuvre:

• Total des employés: 22 345
• Professionnels de la technologie: 3 456
• Tiration moyenne des employés: 8,7 ans

Capacités d'analyse des données

Infrastructure des informations sur les données:

• Points de données clients suivis: 12,6 millions
• Modèles d'apprentissage AI / machine: 127
• Capacité de traitement des données en temps réel: 5.3 pétaoctets / jour

Bancolombia S.A. (CIB) - Modèle d'entreprise: propositions de valeur

Solutions financières complètes pour les clients d'entreprise

Bancolombia propose des solutions financières des clients des entreprises avec les paramètres spécifiques suivants:

Catégorie de service	Valeur totale (2023)	Pénétration du marché
Prêts aux entreprises	Flic 47,8 billions	38,5% de part de marché
Financement commercial	Flic 12,3 billions	Couverture du marché de 42,7%
Gestion des espèces	Flic 6,5 billions	35,2% de clientèle d'entreprise

Technologies bancaires numériques avancées

• Volume des transactions numériques: 1,2 milliard de transactions annuelles
• Utilisateurs de la banque mobile: 4,3 millions d'utilisateurs actifs
• Disponibilité de la plate-forme numérique: 99,97% de disponibilité

Services de conseil financier personnalisés

Métriques de service consultatif pour 2023:

Type de service	Les clients totaux ont servi	Valeur consultative moyenne
Planification financière des entreprises	2 780 clients d'entreprise	COP 580 millions par client
Conseil de stratégie d'investissement	1 245 clients à haute nette	COP 420 millions par client

Plateformes de banque intégrée et d'investissement

Statistiques d'intégration de la plate-forme:

• Comptes d'investissement intégrés totaux: 187 000
• Volume de transaction multiplateforme: COP 24,6 billions
• Couverture de suivi des investissements en temps réel: 98,5%

Approche bancaire durable et socialement responsable

Métrique de la durabilité	Performance de 2023	Allocation des investissements
Initiatives de finance verte	Flic 3,2 billions	7,4% du portefeuille de prêts total
Investissements à impact social	Flic 1,8 billion	4,2% du capital d'investissement total

Bancolombia S.A. (CIB) - Modèle d'entreprise: relations clients

Gestion des relations dédiées aux clients des entreprises

Bancolombia fournit une gestion des relations spécialisée avec 347 gestionnaires de relations avec les banques d'entreprise à partir de 2023. La banque dessert 4 782 clients d'entreprises dans plusieurs secteurs.

Segment client	Nombre de clients	Valeur de relation moyenne
Grandes entreprises	1,256	Flic 127,5 milliards
Entreprises moyennes	2,346	Flic 42,3 milliards
Clients internationaux	1,180	COP 89,7 milliards

Plates-formes bancaires numériques en libre-service

Statistiques d'utilisation de la plate-forme bancaire numérique pour 2023:

• Utilisateurs totaux de banque numérique: 6,2 millions
• Transactions bancaires mobiles: 287 millions par an
• Pénétration des services bancaires en ligne: 68% du total de la clientèle

Services de consultation financière personnalisés

Bancolombia propose 672 conseillers financiers dévoués spécialisés dans les stratégies financières des entreprises. Temps de consultation moyen par client d'entreprise: 3,4 heures par mois.

Type de consultation	Nombre de services	Évaluation moyenne de satisfaction du client
Planification financière stratégique	4 521 consultations	4.7/5
Avis de gestion des risques	2 876 consultations	4.5/5

Informations sur le marché régulier et indemnité financière

Bancolombia produit chaque année 1 248 rapports d'études de marché complets, distribués aux entreprises.

• Rapports de perspectives économiques trimestrielles: 4 par an
• Rapports d'analyse spécifiques au secteur: 36 par an
• Briefings d'intelligence sur le marché personnalisé: 212 en 2023

Support client via plusieurs canaux

Métriques de support multicanaux pour 2023:

Canal de support	Interactions totales	Temps de réponse moyen
Support téléphonique	1,2 million	7,5 minutes
Assistance par e-mail	876,000	4,2 heures
Chat en direct	542,000	3,6 minutes
Réseaux sociaux	214,000	6,8 heures

Bancolombia S.A. (CIB) - Modèle d'entreprise: canaux

Plateformes bancaires en ligne

En 2024, la plate-forme bancaire en ligne de Bancolombie dessert 7,2 millions d'utilisateurs numériques actifs. La plate-forme traite environ 320 millions de transactions numériques mensuelles.

Métrique du canal numérique	Valeur
Utilisateurs numériques actifs	7,2 millions
Transactions numériques mensuelles	320 millions
Taux de pénétration des services bancaires en ligne	68.3%

Applications bancaires mobiles

L'application mobile de Bancolombia compte 5,9 millions d'utilisateurs mensuels actifs, ce qui représente une augmentation de 41,2% par rapport à 2023.

• Téléchargements d'applications mobiles: 12,4 millions
• Transactions mobiles mensuelles moyennes: 245 millions
• Valeur de la transaction bancaire mobile: COP 38,7 billions

Réseau de succursale physique

Bancolombie maintient 739 branches physiques à travers la Colombie, avec 4 286 distributeurs automatiques de billets à l'échelle nationale.

Métrique du canal physique	Valeur
Branches physiques totales	739
Réseau ATM	4,286
Couverture du réseau de succursale	87% des municipalités colombiennes

Centres de banque d'entreprise

Bancolombia exploite 42 centres de banque d'entreprise spécialisés desservant de grandes entreprises et des clients institutionnels.

• Centres des services bancaires d'entreprise: 42
• Segment des clients d'entreprise: 8 500 entreprises
• Volume des transactions bancaires d'entreprise: COP 156,3 billions

Portails de communication numérique et de service client

Les canaux de service client numérique de la banque gèrent 76% des interactions client via plusieurs points de contact numériques.

Canal de service numérique	Interactions mensuelles
Banc bancaire	3,2 millions
Prise en charge du site Web	1,8 million
Prise en charge de l'application mobile	2,5 millions

Bancolombia S.A. (CIB) - Modèle d'entreprise: segments de clientèle

GRANDES clients d'entreprise

Bancolombia dessert de grandes entreprises clients avec des revenus annuels dépassant 300 milliards de COP. En 2024, la banque gère environ 1 200 grands comptes d'entreprise dans divers secteurs.

Caractéristique du segment	Données spécifiques
Total des clients d'entreprise	1 200 entreprises
Seuil de revenus annuel moyen	Flic 300 milliards
Couverture du secteur	Fabrication, énergie, infrastructure, télécommunications

Entreprises de taille moyenne

La Bancolombie cible les entreprises de taille moyenne avec des revenus annuels entre le COP 50-300 milliards. La banque dessert environ 3 500 clients d'entreprise de taille moyenne.

• Total des clients moyens d'entreprise: 3 500
• Gamme de revenus: COP 50-300 milliards
• Focus clé de l'industrie: agriculture, services, technologie

Sociétés multinationales

Bancolombie fournit des services bancaires spécialisés à 250 sociétés multinationales opérant en Amérique latine. La division bancaire internationale de la banque gère environ 12 milliards de dollars des actifs bancaires d'entreprise.

Segment des entreprises multinationales	Détails quantitatifs
Total des clients multinationaux	250 sociétés
Actifs bancaires internationaux	12 milliards USD
Présence géographique	l'Amérique latine

Investisseurs institutionnels

Bancolombia gère des portefeuilles d'investissement pour 180 investisseurs institutionnels, avec un actif total sous gestion atteignant environ 45 billions de flic.

• Investisseurs institutionnels totaux: 180
• Actifs sous gestion: COP 45 billions
• Types d'investisseurs: fonds de pension, compagnies d'assurance, fonds d'investissement

Individus à haute nette

La division bancaire privée de Bancolombie dessert 5 000 personnes à haute teneur en naissance avec des actifs investissables dépassant 10 milliards de COP par client.

Segment individuel à haute noue	Métriques spécifiques
Clients totaux à forte valeur	5 000 personnes
Actifs investissables minimaux	Flic 10 milliards
Services de gestion de la patrimoine	Stratégies d'investissement personnalisées

Bancolombia S.A. (CIB) - Modèle d'entreprise: Structure des coûts

Investissements infrastructures technologiques

En 2023, Bancolombia a investi 535,7 milliards de pesos colombiens dans des infrastructures technologiques et une transformation numérique. La banque a alloué des investissements spécifiques dans plusieurs domaines technologiques:

Catégorie d'investissement technologique	Montant (milliards de flic)
Mise à niveau des systèmes bancaires de base	187.5
Améliorations de la cybersécurité	95.3
Infrastructure de cloud computing	126.2
Outils d'IA et d'apprentissage automatique	76.7

Salaires et formation des employés

Les dépenses totales du personnel de la Bancolombie en 2023 ont atteint 2,1 billions de pesos colombiens. Répartition des coûts liés aux employés:

• Salaires de base: 1,45 billion de flic
• Formation et développement professionnel: 85,6 milliards de flics
• Avantages et sécurité sociale: 412,4 milliards de flics

Frais de conformité réglementaire

Bancolombie a dépensé 157,3 milliards de pesos colombiens en conformité réglementaire en 2023, notamment:

Zone de conformité	Dépenses (milliards de flic)
Systèmes anti-blanchiment d'argent	62.5
Cadres de gestion des risques	45.8
Coûts de rapport et d'audit	49.0

Maintenance de plate-forme numérique

Les coûts de maintenance de la plate-forme numérique pour 2023 ont totalisé 123,6 milliards de pesos colombiens, notamment:

• Plateforme bancaire mobile: 45,2 milliards de flics
• Infrastructure bancaire en ligne: 38,7 milliards de flics
• Mises à jour de la sécurité numérique: 39,7 milliards de flics

Coûts de marketing et d'acquisition des clients

Les dépenses de marketing pour Bancolombie en 2023 s'élevaient à 186,4 milliards de pesos colombiens:

Canal de marketing	Dépenses (milliards de flic)
Marketing numérique	78.3
Publicité médiatique traditionnelle	62.1
Campagnes d'acquisition de clients	46.0

Bancolombia S.A. (CIB) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts d'entreprise

Pour l'exercice 2023, Bancolombia a déclaré des revenus d'intérêts des prêts d'entreprise au COP de 9,4 billions (environ 2,4 milliards USD). La rupture du portefeuille de prêts a montré:

Catégorie de prêt	Revenus (COP Tillion)	Pourcentage
Grands prêts d'entreprise	5.6	59.6%
Prêts d'entreprise de taille moyenne	2.8	29.8%
Prêts aux petites entreprises	1.0	10.6%

Frais de banque d'investissement

Les revenus de la banque d'investissement pour 2023 ont atteint 387 milliards de COP (environ 98 millions USD), avec la répartition du service suivante:

• Conseil des fusions et acquisitions: COP 156 milliards
• Marchés des capitaux de la dette: flic 112 milliards
• Marchés des capitaux propres: flic 119 milliards

Frais de service bancaire numérique

Les revenus bancaires numériques en 2023 ont totalisé 542 milliards de COP (environ 137 millions USD), avec:

Service numérique	Revenus (COP milliards)
Frais de transaction en ligne	276
Frais de banque mobile	194
Maintenance du compte numérique	72

Revenus des transactions de change

Les revenus de change pour 2023 s'élevaient à 623 milliards de COP (environ 158 millions USD), segmentés comme suit:

• Transactions FX d'entreprise: COP 412 milliards
• Transactions FX au détail: flic 156 milliards
• Services FX du commerce international: COP 55 milliards

Frais de gestion des actifs et de conseil

Les frais de gestion des actifs pour 2023 ont totalisé 298 milliards de COP (environ 75 millions USD), distribué à travers:

Type de service	Revenus (COP milliards)	Pourcentage
Gestion de la richesse	156	52.3%
Gestion des fonds de retraite	87	29.2%
Avis d'investissement	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.