Company: CIB
Filing Date: 2025-11-06
Form Type: 6-K
Source: 0002058897-25-000048
Chunk: 21

Company: Grupo Cibest S.A.
Filing Date: 2025-11-06
Form: 6-K
Chunk 21
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 higher remuneration within the corporate segment. Checking account balances declined during the quarter, primarily in the corporate segment.

Bam’s net result for 3Q25 was a profit of COP 39.4 billion, representing a 20.7% increase compared to the previous quarter. Net interest income, measured in dollars, posted an increase associated with the growth in the loan portfolio and the investment portfolio valuation. A similar trend was observed in interest expenses, which rose in dollars due to higher remuneration on savings accounts in the corporate segment. The net interest margin for 3Q25 stood at 4.59%.

Provision expenses decreased thanks to improved performance of the consumer portfolio, mainly in personal unsecured loans and credit cards. Consequently, the cost of risk in 3Q25 was 1.96%, decreasing versus 2Q25 and increasing versus 3Q24.

Other operating income saw a decline, as certain one-off transactions—mainly related to the renewal of insurance policies for corporate clients—were not carried out this quarter, unlike in 2Q25. Operating expenses registered a reduction explained by a lower average exchange rate; however, measured in dollars, there was an increase due to marketing campaigns, as well as repairs and maintenance of IT systems, along with miscellaneous payments for non-capitalizable projects.

Finally, the quarterly annualized ROE stood at 7.28%.

The basic solvency ratio was 7.35% and total solvency reached 13.27%. Total solvency increased mainly due to retained earnings during the quarter, while basic solvency saw a decrease due to the increase in the equity base, attributed to higher risk-weighted assets.

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| 3Q25 |

| STATEMENT OF FINANCIAL POSITION AND INCOME STATEMENT, CONSOLIDATED  (1) |     |      As of |     |            |     |    Quarter |     |            |     |            |     |      Change |     |   |     |             |     |   |
| (COP million)                                                           |     |       3Q24 |     |       3Q25 |     |       3Q24 |     |       2Q25 |     |       3Q25 |     | 3Q25 / 2Q25 |     |   |     | 3Q25 / 3Q24 |     |   |
| ASSETS                                                                  |     |            |     |            |     |