Company: CIB
Filing Date: 2025-11-06
Form Type: 6-K
Source: 0002058897-25-000048
Chunk: 20

Company: Grupo Cibest S.A.
Filing Date: 2025-11-06
Form: 6-K
Chunk 20
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     | 156.98 |     | %    |     |  155.03 |     | %    |     | 155.49 |     | %    |     | 156.98 |     | % |
| 90 Day PDL           |     |      |     |   1.05 |     | %    |     |   0.97 |     | %    |     |    1.05 |     | %    |     |   0.97 |     | %    |     |   0.97 |     | % |
| 90 Day PDL Coverage  |     |      |     | 279.85 |     | %    |     | 297.77 |     | %    |     |  279.85 |     | %    |     | 287.85 |     | %    |     | 297.77 |     | % |

| 17 |

| 3Q25 |

#### GRUPO AGROMERCANTIL HOLDING – GUATEMALA
The country has demonstrated one of the strongest performances in the Central American region in recent years, driven by robust private consumption dynamics. At the sectoral level, there has been significant growth in financial activities and textile exports, as well as in tourism and commerce. Meanwhile, inflation has consistently remained below the target set by the Bank of Guatemala, reaching 1.47% year-over-year in September. This outcome is a result of low international oil prices and the dissipation of supply shocks. Infrastructure investment and public spending are expected to drive growth, despite a possible decline in remittances due to more restrictive migration policies in the U.S. The Arévalo administration plans to increase spending without compromising fiscal stability. Additionally, two rate cuts by the Bank of Guatemala are anticipated for the remainder of 2025, bringing the policy rate down to 4.0%.

Within this context, Bam’s loan portfolio closed 3Q25 with a quarterly growth of 1.8% (measured in USD). This increase was mainly driven by the rise in the commercial loan balance within the corporate segment, which offset prepayments in the same segment. Conversely, a decrease was observed in the mortgage and consumer portfolios, with the decline in the latter being driven by a continued cautious risk appetite throughout the year. Regarding deposits, a favorable trend was observed in savings accounts and time deposits. The increase in savings accounts is tied to a funding strategy that involves