Company: CIB
Filing Date: 2025-11-06
Form Type: 6-K
Source: 0002058897-25-000048
Chunk: 7

Company: Grupo Cibest S.A.
Filing Date: 2025-11-06
Form: 6-K
Chunk 7
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  10,388,366 |     |             |     |  11,441,859 |     |     10.14 |     | % |     | -20.48 |     | % |
| Loans with banks           |     |  13,660,431 |     |      |     |  12,242,580 |     |             |     |  12,535,768 |     |      2.39 |     | % |     |  -8.23 |     | % |
| Total Funds                |     | 290,654,726 |     |      |     | 309,218,629 |     |             |     | 308,411,873 |     |     -0.26 |     | % |     |   6.11 |     | % |

#### 1.3. Shareholders’ Equity
Shareholders’ equity attributable at the end of 3Q25 was COP 42,378 billion, increasing by 2.6% compared to 2Q25 and 3.6% compared to 3Q24. The increase for the quarter is explained by retained earnings during the period.

Reserves showed a decrease of 0.9% in the quarter, mainly attributable to the execution of the share buyback program approved by shareholders of Grupo Cibest at the extraordinary general assembly on June 9, 2025, for a total amount of COP 1.35 trillion, with implementation beginning on July 17, 2025. As of September 30, 2025, 26.7% of the approved amount had been executed, which is equivalent to 7,252,194 shares repurchased, of which 50.4% are preferred shares, 41.6% are ADRs, and 8.0% are common shares.

#### 2.

### INCOME STATEMENT GRUPO CIBEST
Net income attributable to shareholders totaled COP 2,144 billion in 3Q25, or COP 2,252.53 per share (USD $2.18 per ADR). Net income increased by 19.7% compared to 2Q25, mainly driven by lower provision and operating expenses, as well as higher interest income from debt instruments and valuation of financial instruments. The quarterly annualized return on equity (ROE) for Grupo Cibest was 20.4% in 3Q25 and