Company: CIB
Filing Date: 2025-11-06
Form Type: 6-K
Source: 0002058897-25-000048
Chunk: 17

Company: Grupo Cibest S.A.
Filing Date: 2025-11-06
Form: 6-K
Chunk 17
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 in time deposits and savings accounts, driven by the corporate segment. Conversely, savings accounts increased in sectors such as trade and logistics. Additionally, this quarter Banistmo completed the issuance of sustainable bonds totaling USD 75 million to refinance the maturity of other obligations.

Banistmo’s net result for 3Q25 was a profit of COP 178.8 billion, representing an increase of 79.8% compared to the previous quarter. Net interest income registered growth, measured in dollars, driven by higher income from treasury operations, which offset the increase in interest expenses associated with higher funding costs and adjustments to lease contracts, expressed in Colombian pesos, this represented a decrease in net interest income linked to the lower average exchange rate for the quarter, which fell by 1.6% compared to the previous quarter. The net interest margin for 3Q25 was 3.43%.

Regarding provisioning expense, a net release was reported due to the update of risk models parameters. Consequently, the cost of risk was -0.05% in 3Q25, decreasing compared to 2Q25 and 3Q24.

Operating expenses decreased compared to the previous quarter, mainly due to lower general expenses in depreciation, software licensing, and technology fees.

Finally, the quarterly annualized ROE stood at 15.24%.

The basic solvency ratio was 12.13% and the total solvency ratio was 13.90%. The increase compared to the previous quarter is mainly explained by higher retained earnings during the period.

| 14 |

| 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                                                                |     |            |     |            |     |            |     |            |     |            |     |             |     |   |     |             |     |   |
| Gross loans                                                           |     | 34