Company: CIB
Filing Date: 2025-08-15
Form Type: 6-K
Source: 0002058897-25-000035
Chunk: 13

Company: Grupo Cibest S.A.
Filing Date: 2025-08-15
Form: 6-K
Chunk 13
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 showed a slight increase of 0.45% in the consolidated portfolio balance in pesos. This growth was achieved despite the revaluation of the peso against the dollar, which impacted the portfolio’s value when expressed in that currency. However, the increase in disbursements was due particularly in the corporate commercial portfolio across all geographies where it operates, as well as in the mortgage portfolio in Colombia, contributed to maintaining the overall stability of the loan portfolio..

The 30-day past due loan ratio (consolidated) at stood at 4.94% as of June 2025, showing a decrease compared to 5.05% in March 2025. The level of the bank´s non-performing loans is mainly impacted by the improvement in the quality of the retail loan portfolio, particularly in consumer and mortgage products. The management of all portfolios continues across the different stages of the credit cycle to anticipate the materialization of risks, designing containment and recovery strategies for the loan portfolio.

The credit cost for Grupo Cibest Consolidated in the second quarter of 2025 was 1.6%, remaining in line with the figure recorded in March of the same year. This result reflects the strong performance across all portfolios.

#### COUNTRY RISK
This risk refers to the possibility of Grupo Cibest Consolidated incurring losses as a result of financial operations abroad due to adverse economic and/or political conditions in the country receiving those operations, either because of restrictions on the transfer of foreign exchange or because of factors not attributable to the commercial and financial condition of the country receiving those operations. This definition includes, but is not limited to, sovereign risk (SR) and transfer risk (TR) associated with such factors.

#### Consolidated
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The analysis presented below for Grupo Cibest Consolidated is based on a comparison with the information reported by Grupo Bancolombia as of March 31, 2025.

The guidelines, policies and methodologies for country risk management are maintained in accordance with what was revealed for Grupo Bancolombia as of March 31, 2025.

At of the end of June 2025, compared to March 2025, no alerts were reported for any of the investments subject to country risk. Likewise, there were no downgrades in the country risk ratings of the countries where the Group holds such investments. Within Grupo Cibest Consolidated, the portfolio of investments subject to country risk assessment has undergone a reallocation of investment companies. Additionally, the value of the investments that remain in