Company: CIB
Filing Date: 2025-11-14
Form Type: 6-K
Source: 0002058897-25-000052
Chunk: 9

Company: Grupo Cibest S.A.
Filing Date: 2025-11-14
Form: 6-K
Chunk 9
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 Cibest had 33,934 employees, 840 branches, 6,126 ATMs, 35,701 banking agents, and more than 32 million customers.

#### Taxes
The income tax expense for Grupo Cibest amounted to COP 843 billion, resulting in an effective tax rate of 28%, explained by tax benefits in Colombia associated with exempt income from the mortgage loan portfolio for social housing, investments in productive fixed assets, and investments in non-conventional renewable energy, as well as tax benefits in Guatemala, El Salvador, and Panama related to exempt income from returns on securities issued by those governments.

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#### Consolidated Statement of Income Grupo Cibest
| CONSOLIDATED STATEMENT OF FINANCIAL POSITION                          |     |     Quarter |     |             |     |             |     |      Change |     |   |     |             |     |   |     |             |     |   |     |        % of |     |   |
| (COP million)                                                         |     |        3Q24 |     |        2Q25 |     |        3Q25 |     | 3Q25 / 2Q25 |     |   |     | 3Q25 / 3Q24 |     |   |     | % of Assets |     |   |     | Liabilities |     |   |
| ASSETS                                                                |     |             |     |             |     |             |     |             |     |   |     |             |     |   |     |             |     |   |     |             |     |   |
| Cash and balances at central bank                                     |     |  22,778,795 |     |  24,244,363 |     |  24,074,711 |     |       -0.70 |     | % |     |        5.69 |     | % |     |        6.43 |     | % |     |             |     |   |
| Interbank borrowings                                                  |     |   2,298,108 |     |   4,375,272 |     |   4,008,403 |     |       -8.39 |     | % |     |       74.42 |     | % |     |        1.07 |     | % |     |             |     |   |
| Reverse repurchase agreements and other similar secured lend          |     |