Company: CIB
Filing Date: 2025-11-14
Form Type: 6-K
Source: 0002058897-25-000052
Chunk: 20

Company: Grupo Cibest S.A.
Filing Date: 2025-11-14
Form: 6-K
Chunk 20
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 law’s preferential brackets and up to 85% of the interest rate offered by the bank for the corresponding loan. The law repeals the provision requiring banks to conduct a financial evaluation of the beneficiary 6–12 months before the subsidy ends.

• Agreement No. 7 (August 5, 2025), establishes principles and minimum criteria to be considered for evaluating and determining the degree of local systemic importance of banks. This agreement sets out definitions, factors, and methodology for identifying what should be considered a locally systemic bank and also determines an additional capital buffer applicable to these banks (between 0.5% and 1% of additional solvency by 2030).

It also establishes responsibilities for the banks’ Board of Directors regarding the internal assessment of compliance with the required capital under the Agreement and the approval of action plans in case of capital buffer shortfalls until the minimum requirement is met.

The Banking Superintendency will review annually the list of systemically important banks based on data corresponding to figures from December of each year reported in January and the established factors. Additionally, through a reasoned resolution, it will determine a bank’s locally systemic condition and the specific level of capital required according to the criteria set forth in this Agreement, from which point the bank must comply with these requirements as long as it maintains such condition. As of today, Banistmo would classify as a locally systemic bank.

#### Guatemala
Regarding enacted regulation:

• Official Letter No. 6673-2025 from the Superintendence of Banks, notifies the extraterritorial application of the U.S. Anti-Fentanyl Law, warning financial institutions about risks of relationships with foreign entities linked to fentanyl trafficking. Enhanced due diligence and monitoring are recommended.

• Decree 8-2025, amends the Competition Law (Decree 32-2024). Key changes include: i) clarification of cases exempt from authorization for economic concentrations; ii) definition of the Board’s internal regulations; iii) expanded powers to approve organizational and remuneration regulations; iv) mandatory rotation of the Board presidency every two years without reelection; and v) requirement for collegial deliberation in decision-making.

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Regarding regulatory projects:

• Personal Data Protection Law (Initiative 6572): establishes principles and procedures to ensure privacy and data protection.

• Anti-Usury and Debt Collection Protection Law (Initiative 6614): aims to penalize abusive collection practices and set limits on interest and fees.

• Comprehensive Anti-Money Laundering and