Bancolombia S.A. (CIB): Modelo de negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico do banco corporativo, o Bancolombia S.A. (CIB) surge como uma potência financeira transformadora, posicionando-se estrategicamente na interseção de tecnologia inovadora, serviços financeiros abrangentes e soluções centradas no cliente. Ao elaborar meticulosamente uma tela de modelo de negócios que integra perfeitamente as proezas digitais, parcerias estratégicas e infraestrutura bancária robusta, a Bancolombia se distinguiu como uma instituição financeira líder na Colômbia e a América Central, oferecendo a sofisticados clientes corporativos uma experiência bancária incomparável que transcende o serviço financeiro tradicional .

Bancolombia S.A. (CIB) - Modelo de negócios: Parcerias -chave

Alianças estratégicas com instituições financeiras internacionais

A Bancolombia estabeleceu parcerias estratégicas com as seguintes instituições financeiras internacionais:

Instituição parceira	Detalhes da parceria	Ano estabelecido
Banco de Desenvolvimento Interamericano (BID)	Programas de finanças comerciais e de empréstimos sustentáveis	2019
International Finance Corporation (IFC)	Iniciativas de financiamento e sustentabilidade para PME	2017
Grupo do Banco Mundial	Infraestrutura e financiamento verde	2020

Parcerias com provedores de tecnologia para soluções bancárias digitais

O Bancolombia colabora com os provedores de tecnologia para aprimorar os recursos bancários digitais:

• Microsoft Azure - Serviços de infraestrutura em nuvem
• IBM - Inteligência artificial e tecnologias de blockchain
• Salesforce - plataformas de gerenciamento de relacionamento com clientes
• SAP - Sistemas de planejamento de recursos corporativos

Colaboração com empresas locais e multinacionais

Parceiro corporativo	Setor	Valor da parceria (USD)
Grupo Nutresa	Comida e bebida	US $ 250 milhões
Ecopetrol	Energia	US $ 500 milhões
Grupo Argos	Infraestrutura	US $ 180 milhões

Acordos com startups de fintech para serviços financeiros inovadores

As parcerias fintech do Bancolombia incluem:

• Nequi - Mobile Financial Services Platform
• Movii - Soluções de carteira digital e pagamento
• Tyba - plataforma de investimento digital

Fintech Partner	Valor do investimento (USD)	Foco em parceria
Nequi	US $ 45 milhões	Inovação bancária digital
Movii	US $ 22 milhões	Expansão do ecossistema de pagamento
Tyba	US $ 15 milhões	Plataformas de investimento digital

Bancolombia S.A. (CIB) - Modelo de negócios: Atividades -chave

Serviços de banco corporativo e de investimento

O Bancolombia fornece serviços abrangentes de banco corporativo e de investimento com as seguintes métricas -chave:

Categoria de serviço	Volume da transação (2023)	Receita gerada
Empréstimos corporativos	COP 45,2 trilhão	COP 2,1 trilhão
Banco de investimento	Policial 12,5 trilhões	Cop 680 bilhões
Fusões & Aquisições Advisory	18 grandes transações	COP 320 bilhões

Desenvolvimento da plataforma bancária digital

As principais iniciativas de transformação digital incluem:

• Usuários da plataforma digital: 7,2 milhões
• Transações bancárias móveis: 450 milhões anualmente
• Investimento em infraestrutura digital: COP 320 bilhões em 2023

Gerenciamento de riscos e consultoria financeira

Área de gerenciamento de riscos	Exposição total	Orçamento de mitigação de risco
Gerenciamento de risco de crédito	COP 82,5 trilhão	Cop 1,4 trilhão
Monitoramento de risco de mercado	COP 35,6 trilhão	Policial 620 bilhões

Suporte internacional de finanças comerciais

Métricas de finanças comerciais para 2023:

• Total de transações comerciais internacionais: US $ 12,3 bilhões
• Volumes de pagamento transfronteiriços: US $ 8,7 bilhões
• Transações de plataforma digital de financiamento comercial: 65% do volume total

Gerenciamento de patrimônio e soluções de investimento

Produto de investimento	Total de ativos sob gestão	Retorno médio anual
Fundos mútuos	Policial 15,6 trilhões	12.4%
Private Banking	Cop 7,2 trilhão	14.2%
Gerenciamento de fundos de pensão	COP 22,8 trilhão	10.6%

Bancolombia S.A. (CIB) - Modelo de negócios: Recursos -chave

Extensa rede de filiais

A partir de 2024, o Bancolombia mantém:

• Total de ramos: 1.254 na Colômbia e na América Central
• Rede ATM: 3.872 máquinas
• Cobertura em 5 países: Colômbia, Panamá, El Salvador, Guatemala, Honduras

País	Número de ramificações	Número de caixas eletrônicos
Colômbia	1,089	3,245
Panamá	62	287
Países da América Central	103	340

Infraestrutura bancária digital

Estatísticas de plataformas digitais:

• Usuários bancários móveis: 6,2 milhões
• Usuários bancários online: 4,8 milhões
• Volume da transação digital: 78% do total de transações

Capital financeiro e reservas

Métricas financeiras a partir de 2024:

Indicador financeiro	Valor (bilhão de policiais)
Total de ativos	237,456
Equidade dos acionistas	28,765
Índice de capital de camada 1	11.2%

Recursos Humanos

Composição da força de trabalho:

• Total de funcionários: 22.345
• Profissionais de tecnologia: 3.456
• Posse média dos funcionários: 8,7 anos

Recursos de análise de dados

Infraestrutura de insights de dados:

• Pontos de dados do cliente rastreados: 12,6 milhões
• Modelos de AI/Aprendizado de Machine: 127
• Capacidade de processamento de dados em tempo real: 5.3 Petabytes/dia

Bancolombia S.A. (CIB) - Modelo de negócios: proposições de valor

Soluções financeiras abrangentes para clientes corporativos

O Bancolombia oferece soluções financeiras de clientes corporativos com os seguintes parâmetros específicos:

Categoria de serviço	Valor total (2023)	Penetração de mercado
Empréstimos corporativos	COP 47,8 trilhão	38,5% de participação de mercado
Financiamento comercial	Policial 12,3 trilhão	42,7% de cobertura do mercado
Gerenciamento de caixa	Cop 6,5 trilhões	35,2% de base de clientes corporativos

Tecnologias bancárias digitais avançadas

• Volume da transação digital: 1,2 bilhão de transações anuais
• Usuários bancários móveis: 4,3 milhões de usuários ativos
• Disponibilidade da plataforma digital: 99,97% de tempo de atividade

Serviços de Consultoria Financeira Personalizada

Métricas de serviço de consultoria para 2023:

Tipo de serviço	Total de clientes atendidos	Valor médio de consultoria
Planejamento financeiro corporativo	2.780 clientes corporativos	Cop 580 milhões por cliente
Consultoria de estratégia de investimento	1.245 clientes de alta rede	Policial 420 milhões por cliente

Plataformas bancárias e de investimento integradas

Estatísticas de integração da plataforma:

• Contas totais de investimento integrado: 187.000
• Volume de transação de plataforma cruzada: policial 24,6 trilhões
• Cobertura de rastreamento de investimentos em tempo real: 98,5%

Abordagem bancária sustentável e socialmente responsável

Métrica de sustentabilidade	2023 desempenho	Alocação de investimento
Iniciativas de finanças verdes	Cop 3,2 trilhão	7,4% do portfólio total de empréstimos
Investimentos de impacto social	Cop 1,8 trilhão	4,2% do capital total de investimento

Bancolombia S.A. (CIB) - Modelo de negócios: Relacionamentos do cliente

Gerenciamento de relacionamento dedicado para clientes corporativos

O Bancolombia fornece gerenciamento especializado de relacionamento com 347 gerentes de relacionamento bancário corporativo a partir de 2023. O Banco atende 4.782 clientes corporativos em vários setores.

Segmento de cliente	Número de clientes	Valor médio do relacionamento
Grandes corporações	1,256	Cop 127,5 bilhões
Médias empresas	2,346	COP 42,3 bilhões
Clientes internacionais	1,180	Policial 89,7 bilhões

Plataformas bancárias de autoatendimento digital

Estatísticas de uso da plataforma bancária digital para 2023:

• Usuários do Banco Digital Total: 6,2 milhões
• Transações bancárias móveis: 287 milhões anualmente
• Penetração bancária online: 68% da base total de clientes

Serviços personalizados de consulta financeira

A Bancolombia oferece 672 consultores financeiros dedicados especializados em estratégias financeiras corporativas. Tempo médio de consulta por cliente corporativo: 3,4 horas mensalmente.

Tipo de consulta	Número de serviços	Classificação média de satisfação do cliente
Planejamento financeiro estratégico	4.521 consultas	4.7/5
Advogado de gerenciamento de riscos	2.876 consultas	4.5/5

Insights regulares de mercado e relatórios financeiros

A Bancolombia produz 1.248 relatórios abrangentes de pesquisa de mercado anualmente, distribuídos a clientes corporativos.

• Relatórios trimestrais de perspectivas econômicas: 4 por ano
• Relatórios de análise específica do setor: 36 por ano
• Briefes de inteligência de mercado personalizados: 212 em 2023

Suporte ao cliente através de vários canais

Métricas de suporte multicanal para 2023:

Canal de suporte	Interações totais	Tempo médio de resposta
Suporte telefônico	1,2 milhão	7,5 minutos
Suporte por e -mail	876,000	4,2 horas
Bate -papo ao vivo	542,000	3,6 minutos
Mídia social	214,000	6,8 horas

Bancolombia S.A. (CIB) - Modelo de negócios: canais

Plataformas bancárias online

Em 2024, a plataforma bancária on -line do Bancolombia atende 7,2 milhões de usuários digitais ativos. A plataforma processa aproximadamente 320 milhões de transações digitais mensais.

Métrica de canal digital	Valor
Usuários digitais ativos	7,2 milhões
Transações digitais mensais	320 milhões
Taxa de penetração bancária online	68.3%

Aplicativos bancários móveis

O aplicativo móvel da Bancolombia possui 5,9 milhões de usuários mensais ativos, representando um aumento de 41,2% em relação a 2023.

• Downloads de aplicativos móveis: 12,4 milhões
• Transações móveis mensais médias: 245 milhões
• Valor da transação bancária móvel: COP 38,7 trilhão

Rede de ramificação física

A Bancolombia mantém 739 filiais físicas na Colômbia, com 4.286 caixas eletrônicos em todo o país.

Métrica do canal físico	Valor
Ramos físicos totais	739
Rede ATM	4,286
Cobertura da rede de filiais	87% dos municípios colombianos

Centros bancários corporativos

A Bancolombia opera 42 centros bancários corporativos especializados que atendem grandes empresas e clientes institucionais.

• Centros bancários corporativos: 42
• Segmento de clientes corporativos: 8.500 empresas
• Volume da transação bancária corporativa: COP 156,3 trilhão

Portais de comunicação digital e atendimento ao cliente

Os canais de atendimento ao cliente digital do banco lidam com 76% das interações com os clientes por meio de vários pontos de contato digitais.

Canal de serviço digital	Interações mensais
Whatsapp Banking	3,2 milhões
Suporte ao site	1,8 milhão
Suporte ao aplicativo móvel	2,5 milhões

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

Grandes clientes corporativos

A Bancolombia atende a grandes clientes corporativos com receitas anuais superiores a 300 bilhões da COP. A partir de 2024, o banco gerencia aproximadamente 1.200 grandes contas corporativas em vários setores.

Característica do segmento	Dados específicos
Total de clientes corporativos	1.200 empresas
Limite médio de receita anual	Policial 300 bilhões
Cobertura do setor	Fabricação, energia, infraestrutura, telecomunicações

Empresas de tamanho médio

A Bancolombia tem como alvo as empresas de médio porte com receitas anuais entre a COP de 50 a 300 bilhões. O banco atende a aproximadamente 3.500 clientes corporativos de tamanho médio.

• Total de clientes da Média Empresa: 3.500
• Faixa de receita: policial 50-300 bilhões
• Foco principal da indústria: agricultura, serviços, tecnologia

Corporações multinacionais

A Bancolombia fornece serviços bancários especializados para 250 empresas multinacionais que operam na América Latina. A Divisão Bancária Internacional do Banco gerencia aproximadamente US $ 12 bilhões em ativos bancários corporativos.

Segmento corporativo multinacional	Detalhes quantitativos
Total de clientes multinacionais	250 empresas
Ativos bancários internacionais	US $ 12 bilhões
Presença geográfica	América latina

Investidores institucionais

O Bancolombia gerencia portfólios de investimento para 180 investidores institucionais, com o total de ativos sob administração atingindo aproximadamente 45 trilhões.

• Total de investidores institucionais: 180
• Ativos sob gestão: policial 45 trilhões
• Tipos de investidores: fundos de pensão, companhias de seguros, fundos de investimento

Indivíduos de alta rede

A Divisão Banking Private Banking da Bancolombia atende a 5.000 indivíduos de alto patrimônio líquido com ativos investíveis que excedam o COP 10 bilhões por cliente.

Segmento individual de alta rede	Métricas específicas
Clientes totais de alto patrimônio líquido	5.000 indivíduos
Ativos mínimos investíveis	Policial 10 bilhões
Serviços de gerenciamento de patrimônio	Estratégias de investimento personalizadas

Bancolombia S.A. (CIB) - Modelo de negócios: estrutura de custos

Investimentos de infraestrutura de tecnologia

Em 2023, a Bancolombia investiu 535,7 bilhões de pesos colombianos em infraestrutura tecnológica e transformação digital. O banco alocou investimentos específicos em vários domínios tecnológicos:

Categoria de investimento em tecnologia	Valor (bilhões de policiais)
Atualização de sistemas bancários do núcleo	187.5
Aprimoramentos de segurança cibernética	95.3
Infraestrutura de computação em nuvem	126.2
AI e ferramentas de aprendizado de máquina	76.7

Salários e treinamento de funcionários

As despesas totais de pessoal da Bancolombia em 2023 atingiram 2,1 trilhões de pesos colombianos. Repartição dos custos relacionados aos funcionários:

• Salários base: 1,45 trilhão de policiais
• Treinamento e desenvolvimento profissional: 85,6 bilhões de policiais
• Benefícios e Seguro Social: 412,4 bilhões de COP

Despesas de conformidade regulatória

Bancolombia gastou 157,3 bilhões de pesos colombianos em conformidade regulatória em 2023, incluindo:

Área de conformidade	Despesa (bilhões de policiais)
Sistemas de lavagem de dinheiro	62.5
Estruturas de gerenciamento de riscos	45.8
Custos de relatórios e auditoria	49.0

Manutenção da plataforma digital

Os custos de manutenção da plataforma digital para 2023 totalizaram 123,6 bilhões de pesos colombianos, incluindo:

• Plataforma bancária móvel: 45,2 bilhões de policiais
• Infraestrutura bancária da web: 38,7 bilhões de policiais
• Atualizações de segurança digital: 39,7 bilhões de policiais

Custos de marketing e aquisição de clientes

As despesas de marketing para a Bancolombia em 2023 foram de 186,4 bilhões de pesos colombianos:

Canal de marketing	Despesa (bilhões de policiais)
Marketing digital	78.3
Publicidade tradicional da mídia	62.1
Campanhas de aquisição de clientes	46.0

Bancolombia S.A. (CIB) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos corporativos

Para o ano fiscal de 2023, a Bancolombia relatou receita de juros de empréstimos corporativos na COP 9,4 trilhões (aproximadamente US $ 2,4 bilhões). A quebra da carteira de empréstimos mostrou:

Categoria de empréstimo	Receita (cópia trilhão)	Percentagem
Grandes empréstimos corporativos	5.6	59.6%
Empréstimos corporativos de tamanho médio	2.8	29.8%
Pequenos empréstimos corporativos	1.0	10.6%

Taxas bancárias de investimento

A receita bancária de investimento para 2023 atingiu 387 bilhões (aproximadamente US $ 98 milhões), com a seguinte quebra de serviço:

• Aviso de fusões e aquisições: policial 156 bilhões
• Mercado de capital de dívida: COP 112 bilhões
• Mercado de capital de ações: COP 119 bilhões

Cobranças de serviço bancário digital

A receita bancária digital em 2023 totalizou 542 bilhões (aproximadamente US $ 137 milhões), com:

Serviço digital	Receita (policial bilhão)
Taxas de transação online	276
Cobranças bancárias móveis	194
Manutenção da conta digital	72

Receitas de transação cambial

As receitas de câmbio de 2023 chegaram a 623 bilhões (aproximadamente US $ 158 milhões), segmentados da seguinte forma:

• Transações corporativas de FX: COP 412 bilhões
• Transações de FX de varejo: COP 156 bilhões
• Serviços Internacionais de Comércio FX: Cop 55 bilhões

Taxas de gerenciamento de ativos e serviço de consultoria

As taxas de gerenciamento de ativos para 2023 totalizaram 298 bilhões (aproximadamente US $ 75 milhões), distribuídos de maneira contínua:

Tipo de serviço	Receita (policial bilhão)	Percentagem
Gestão de patrimônio	156	52.3%
Gerenciamento de fundos de pensão	87	29.2%
Aviso de investimento	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.