10 Year Financial Data of BanColombia SA (CIB)

62.31 (1y: +2%)

Market Cap	8.02 B	P/E(ttm)	26.20
Enterprise Value	17.92 B	P/B

CIB- NYSE (USA)
BanColombia SA

Currently 4/5

Business Predictability Rank: 4-Star (On Watch)
Back Testing Results:
Average gain of all 4-Star stocks: 9.8% per year.
% of Stocks that are in still loss if held for 10yrs: 8%.
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$62.31

3 Severe Warning Signs 2 Medium Warning Signs 2 Good Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	18.3	21.2	-29.1
EBITDA Growth (%)	15.2	14.3	-61.3
Free Cash Flow Growth (%)	0	0	0
Book Value Growth (%)	0	0	9.6

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Sep12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	6.13	7.36	9.60	9.02	12.98	23.48	13.67	23.40	27.42	28.53	15.05	10.09	4.67	4.97	--	5.41
EBITDA per Share	2.42	3.41	4.16	3.07	4.84	8.78	5.52	9.36	10.43	8.38	4.32	6.97	1.19	1.45	--	1.68
Free Cashflow per Share	2.20	2.15	-21.78	-16.38	-34.71	-3.29	14.61	-17.49	-22.71	--	--	--	--	--	--	--
Earnings per Share ($)	1.72	2.17	2.82	2.13	3.11	3.55	3.46	3.95	4.58	6.64	2.38	1.13	0.90	1.11	-0.89	1.25
Dividends Per Share	0.28	0.52	0.81	1.01	1.03	1.17	1.33	1.01	1.09	1.50	1.55	0.38	0.38	0.39	0.38	0.41
Book Value per Share	6.17	7.86	10.06	10.37	14.85	26.00	19.35	33.78	38.23	--	29.11	26.55	27.27	28.37	--	29.11
Month End Stock Price	5.34	14.12	28.83	31.13	34.02	23.35	45.51	61.91	59.56	59.71	63.25	64.66	61.84	59.71	66.58	63.25
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	27.80	27.70	28.00	20.60	20.90	21.10	17.90	18.10	18.50	--	17.20	17.20	13.20	15.60	16.00	17.20
Return on Assets %	3.10	3.30	3.10	2.20	2.10	2.10	2.00	2.10	1.90	--	2.00	2.00	1.60	2.00	2.00	2.00
Return on Capital - Joel Greenblatt %	27.90	39.70	27.10	52.30	25.60	34.80	36.40	39.30	32.50	--	69.20	197	28.80	28.00	56.80	69.20
Debt to Equity	1.42	1.09	1.65	1.32	1.48	2.20	1.58	1.70	2.35	--	1.59	1.60	1.59	1.88	1.49	1.59

Operating Margin %	31.80	41.90	38.20	29.30	32.20	31.70	33.00	33.80	31.90	29.40	31.00	69.10	25.50	29.20	24.60	31.00
Net Margin %	28.00	29.60	29.40	23.60	23.90	23.40	25.30	26.10	25.80	23.30	23.20	11.20	19.30	22.20	23.00	23.20

Debt to Revenue	1.43	1.16	1.73	1.52	1.70	2.44	2.23	2.46	3.27	--	8.53	4.22	9.30	10.74	8.53	8.53
Interest Exp. to Revenue %	54.80	55.91	63.59	55.72	61.81	64.45	62.03	61.35	60.51	--	67.58	29.57	63.72	63.04	61.10	67.58

Asset Turnover	0.11	0.11	0.11	0.09	0.09	0.09	0.08	0.08	0.08	--	0.02	0.05	0.02	0.02	0.02	0.02
Dividend Payout Ratio	297	442	532	875	610	393	710	306	284	417	603	617	770	645	--	603
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Sep12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	498	584	1,110	915	1,523	1,930	1,671	1,830	2,116	2,489	2,753	635	633	668	673	779
Non Interest Income	411	461	636	727	941	1,065	1,023	1,153	1,381	1,560	1,554	1,514	361	391	429	373
Revenue	909	1,045	1,746	1,642	2,464	2,994	2,693	2,984	3,496	4,050	4,307	2,149	994	1,059	1,102	1,152

Selling, General, &Admin. Expense	187	220	333	357	453	1,315	1,431	1,482	1,892	2,069	2,128	499	501	523	564	540
Credit Losses Provision	125	76.62	70.99	77.74	324	614	235	297	324	599	659	107	168	145	181	164
Other Expenses	239	265	586	649	768	-53.90	-59.81	11.15	-49.38	192	34.81	58.50	71.50	81.21	-209	90.76
Earnings Before DDA	358	484	756	558	919	1,119	1,087	1,193	1,330	1,189	1,485	1,485	254	309	565	357

Depreciation, Depletion and Amortization	69.26	46.03	89.25	76.33	126	170	198	186	214	--	293	--	--	--	293	--

Operating Income	289	438	667	482	793	949	889	1,007	1,116	1,189	1,192	1,485	254	309	271	357
Net Income	254	309	513	388	590	700	681	779	902	942	948	241	192	235	254	267

Earnings per Share ($)	1.72	2.17	2.82	2.13	3.11	3.55	3.46	3.95	4.58	6.64	2.38	1.13	0.90	1.11	-0.89	1.25
Total Shares Outstanding	148	142	182	182	190	128	197	128	128	142	213	213	213	213	--	213
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	784	667	937	1,039	1,963	3,046	3,996	3,336	3,696	--	3,992	3,551	3,251	3,374	3,872	3,992
Money Market Investments	--	--	--	--	--	--	--	--	494	--	1,108	770	746	768	556	1,108
Net Loan	7,641,667	9,452,981	17,911,623	22,740,712	36,270,103	42,508,210	39,610,307	46,091,877	58,575,846	--	37,299	31,380	32,093	33,417	36,173	37,299
Securities & Investments	2,350	2,802	4,583	2,939	3,132	3,708	4,832	4,702	5,397	--	7,714	4,701	5,674	7,261	6,812	7,714
Accounts Receivable	146	158	107	423	605	723	621	604	789	--	970	871	873	908	958	970
Property, Plant and Equipment	184	185	338	369	464	635	882	1,182	1,627	--	2,064	891	789	797	1,915	2,064
Intangible Assets	--	--	27.61	20.79	530	547	464	407	368	--	312	334	326	321	310	312
Other Assets	-7,636,906	-9,447,464	-17,900,929	-22,727,650	-36,248,510	-42,483,382	-39,587,571	-46,065,201	-58,541,897	--	2,447	3,159	3,518	3,664	2,476	2,447
Total Assets	8,225	9,328	16,687	17,852	28,285	33,486	33,530	36,908	46,321	--	55,906	45,656	47,271	50,511	53,071	55,906

Total Deposits	5,545	6,330	9,960	12,018	18,643	21,888	22,845	23,598	28,419	--	36,393	28,167	29,526	30,427	34,774	36,393
Accounts Payable	297	448	776	610	1,085	1,271	1,251	1,233	1,545	--	2,423	2,012	1,944	1,982	1,723	2,423
Current Portion of Long-Term Debt	854	918	2,128	552	2,631	2,098	1,564	1,383	1,804	--	--	2,122	2,729	3,607	--	--
Long-Term Debt	449	295	893	1,942	1,546	5,199	4,451	5,945	9,630	--	9,824	6,939	6,510	7,769	9,393	9,824
Other liabilities	166	221	1,101	843	1,559	-284	-392	440	47.86	--	1,067	763	752	685	889	1,067
Total Liabilities	7,309	8,212	14,858	15,965	25,465	30,171	29,719	32,600	41,447	--	49,707	40,002	41,462	44,470	46,780	49,707

Common Stock	193	190	233	223	250	--	168	168	168	--	--	--	--	--	168	--
Preferred Stock	--	--	--	--	--	--	82.07	82.07	82.07	--	--	--	--	--	99.41	--
Retained Earnings	656	848	1,470	1,586	2,412	2,854	3,227	3,704	4,274	--	5,502	4,881	5,067	5,310	5,635	5,502
Additional Paid-In Capital	--	--	--	--	--	250	214	214	214	--	231	231	225	229	231	231
Total Equity	915	1,116	1,830	1,888	2,820	3,315	3,812	4,307	4,874	--	6,199	5,654	5,808	6,041	6,291	6,199
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Sep12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	254	309	513	388	590	700	681	779	902	--	923	--	--	--	923	--
Depreciation, Depletion and Amortization	69.26	46.03	89.25	76.33	126	170	198	186	214	--	293	--	--	--	293	--
Cash Flow from Others	3.01	-49.18	-4,565	-3,445	-7,305	-873	2,196	-2,627	-3,251	--	-236	--	--	--	-236	--
Cash Flow from Operations	327	306	-3,963	-2,980	-6,590	-3.87	3,075	-1,662	-2,135	--	979	--	--	--	979	--

Investment for Property, Plant & Equipement	--	--	--	--	--	-415	-197	-568	-761	--	-665	--	--	--	-665	--
Cash Flow from Acquisitions	--	--	--	--	--	--	--	--	93.95	--	73.60	--	--	--	73.60	--
Cash Flow from Investing	-1,076	-1,129	-1,703	1,373	-104	-868	-530	-593	-282	--	-322	--	--	--	-322	--

Net Issuance of Preferred Stock	--	--	--	--	16.27	--	--	--	--	--	895	--	--	--	895	--
Net Issuance of Debt	331	-68.48	2,123	-392	1,564	1,327	-666	1,924	3,508	--	183	--	--	--	183	--
Cash Flow for Dividends	-40.65	-83.71	-117	-191	-219	-243	-266	-272	-286	--	-316	--	--	--	-316	--
Other Financing	783	870	3,920	2,334	7,080	0.00	-662	0.00	-25.96	--	-1,035	--	--	--	-1,035	--
Cash Flow from Financing	1,073	718	5,926	1,751	8,441	1,084	-1,595	1,652	3,197	--	-272	--	--	--	-272	--

Net Change in Cash	322	-105	260	143	1,748	212	950	-603	780	--	384	--	--	--	384	--

Free Cash Flow	327	306	-3,963	-2,980	-6,590	-419	2,878	-2,230	-2,896	--	314	--	--	--	314	--
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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