| --- | --- | |-------|-------------------------------------------------------------------------| | | AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON APRIL 3, 2023 | | | UNITED STATES SECURITIES AND EXCHANGE COMMISSION | | | WASHINGTON, DC 20549 | | | FORM 20-F | | --- | --- | --- | |------------------------------------|--------------------|-------------------------------------------| | Title of each Class | Trading Symbol (s) | Name of each exchange on which registered | | American Depositary Share ...

Earnings Results 3Q22 号Bancolombia 3Q22 Overview Financial Highlights • Loan book up 7.0% QoQ and 23.7% YoY • Deposits up 6.9% QoQ and 25.3% YoY • Basel III CET1 capital ratio of 10.0% and total capital ratio of 12.5% • Net income COP 1.6 trillion down 8.5% QoQ Business Update • Loan growth above expectations • Diversified funding mix. First bond issuance tied to sustainable indicators in Latin America • Strong positioning in transactions • Evolution of the strategy in technology Credit Risk • Net provision ...

Bancolombia S.A. (NYSE:CIB) Q3 2022 Earnings Conference Call November 16, 2022 8:00 AM ET Company Participants Juan Carlos Mora – Chief Executive Officer Juan Pablo Espinosa – Chief Economist Jose Humberto Acosta – Chief Financial Officer Conference Call Participants Jason Mollin – Scotiabank Andres Soto – Santander Ernesto Gabilondo – Bank of America Tito Labarta – Goldman Sachs Carlos Gomez – HSBC Julian Ausique – Davivienda Yuri Fernandes – JPMorgan Alonso Garcia – Credit Suisse Operator Good morning, la ...

Bancolombia SA (NYSE:CIB) Q2 2022 Earnings Conference Call August 10, 2022 9:00 AM ET Company Participants Carlos Raad - IR Director & Manager Juan Carlos Mora - President & CEO Juan Pablo Espinosa - Head, Economic Research José Humberto Acosta - CFO & VP, Finance Conference Call Participants Jason Mollin - Scotiabank Yuri Fernandes - JPMorgan Chase & Co. Ernesto Gabilondo - Bank of America Merrill Lynch Carlos Gomez - HSBC Olavo Duarte - UBS Daer Labarta - Goldman Sachs Group Carlos Raad Good morning, ladi ...

Earnings Results 1Q22 号Bancolombia 1Q22 Overview Financial Highlights • Loan book up 1% QoQ and 13% YoY • Net fees down 3% QoQ and up 15% YoY • Basel III CET1 capital ratio of 10.6% and total capital ratio of 13.5% • Net income COP 1.7 trillion up 20% QoQ Business Update • More than 25 million clients • Good performance of the commercial segment • Nequi as a separate legal entity Credit Risk • Net provision charges COP 267 billion down 79% YoY • Coverage ratio of 223% • Allowances represent 6.7% of total lo ...

Financial Data and Key Metrics Changes - The net income for the quarter was COP1.7 trillion, more than double the first quarter of 2021 [34] - Core equity closed at 10.6%, down from the previous quarter due to dividend payments [8] - Provision charges for the quarter were COP267 billion, resulting in a cost of risk of 0.5%, which is below expectations [23][34] Business Line Data and Key Metrics Changes - The loan book grew by 1% compared to the previous quarter, with a 3% growth when excluding foreign exchange impacts [14] - Net fees declined by 3% over the quarter but grew by 15% in the last 12 months [7][33] - The commercial loan portfolio grew by 2.4% compared to the previous quarter and 13% year-on-year [16] Market Data and Key Metrics Changes - The Colombian economy grew by 8.3% year-on-year from January to April 2022, driven by private demand and higher commodity prices [11] - Inflation increased from 5.6% at the end of 2021 to 9.3% year-on-year in April 2022 [12] - The Central Bank's interest rate is expected to close at 8.25% by year-end [7] Company Strategy and Development Direction - The company aims to grow its loan book by 9% to 11% for the year, with a cost-to-income ratio around 46% and ROE at 17% by year-end [35] - The company is focusing on expanding its digital payment ecosystem and has reached 11.5 million clients for its Nequi platform [9][20] - The company is committed to ESG goals, aiming to disburse COP500 trillion by 2030, with COP41 trillion targeted for 2022 [21] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the results for the year despite uncertainties from the presidential elections and global geopolitical conflicts [35] - The company anticipates a gradual decline in inflation to around 7.6% by year-end [7] - Management expects a normalization of the cost of risk to around 1.5% in the future [60] Other Important Information - The company has received an upgrade to double A from MSCI, placing it in the leader category of the global banking system [21] - The company is experiencing strong growth in digital sales, with digital channels representing 85% of total transactions [17] Q&A Session Summary Question: Political landscape and presidential elections impact on the financial sector - Management noted that proposals from presidential candidate Petro are not radical and may involve strengthening public banks to serve underserved segments [38] Question: Loan growth and asset quality under high interest rates - Management indicated that loan growth remains healthy, with retail loans being the most affected by inflation, but guidance for growth remains between 9% and 11% [40] Question: Long-term ROE expectations - Management maintains a long-term ROE expectation of 15% to 17% based on improved loan mix and client acquisition [41] Question: Operating expenses and talent retention - Management confirmed that operating expenses are in line with forecasts and do not expect significant deviations from the 10% growth guidance for the year [44] Question: Asset quality and NII trends - Management expects a normalization of asset quality metrics and a gradual increase in the cost of risk to around 1.5% [50][60] Question: Sensitivity of margins to interest rates - Management indicated that margins are expected to remain elevated in 2022, with a potential slight compression in 2023 as interest rates normalize [75]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of April, 2022 Commission File Number 001-32535 Bancolombia S.A. (Translation of registrant's name into English) Cra. 48 # 26-85 Medellín, Colombia (Address of principal executive offices) Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F. Form 20-F þ F ...

Table of Contents AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON APRIL 26, 2022 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the ...

Call Start: 09:00 January 1, 0000 10:20 AM ET Bancolombia S.A. (NYSE:CIB) Q4 2021 Earnings Conference Call February 23, 2022 09:00 ET Company Participants José Humberto Acosta - Chief Financial Officer Juan Carlos Mora - President & Chief Executive Officer Juan Pablo Espinosa - Head of Economic Research Conference Call Participants Ernesto Gabilondo - Bank of America Jason Mollin - Scotiabank Yuri Fernandes - JPMorgan Anders Soto - Santander Tito Labarta - Goldman Sachs Carlos Gomez - HSBC Alonso Garcia - C ...

Bancolombia S.A. (NYSE:CIB) Q3 2021 Earnings Conference Call November 7, 2021 9:00 AM ET Company Representatives | --- | |------------------------------------------------| | | | Juan Carlos Mora - Chief Executive Officer | | Mauricio Rosillo - Chief Corporate Officer | | José Humberto Acosta - Chief Financial Officer | | Rodrigo Prieto - Chief Risk Officer | | Carlos Raad - Investor Relations Director | | Juan Pablo Espinosa - Chief Economist | | Conference Call Participants | | Yuri Fernandes - JP Morgan | ...