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

Company: Grupo Cibest S.A.
Filing Date: 2025-11-06
Form: 6-K
Chunk 11
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 totaled COP 829 billion during the quarter, representing a decrease of 24.4% compared to 2Q25. This reduction is explained by a release of COP 266 billion resulting from models calibration and lower expense across all segments except for Bancolombia S.A.’s corporate segment, due to the recognition of provisions for certain specific clients classified in stage 2, in addition to

Provisions as a percentage of average gross loans, quarterly annualized, were 1.18% in 3Q25 and 1.42% over the last 12 months, implying a decrease of 39 and 97 basis points, respectively, reflecting a lower expected loss outlook. Meanwhile, loan loss provisions (for the principal) totaled 12,963 billion, which, although lower than the previous quarter, represents adequate coverage equivalent to 4.7% of gross loans.

Stage 3 continued its decline during the quarter, thanks to the strong performance of the overall loan portfolio. However, Stage 2 did increase, as the model calibration led to the early transfer of clients to this level prior to deterioration.

The following tables present key measures related to asset quality:

| PROVISION EXPENSES          |     | As of |     |       |     | Quarter |     |       |     |               |     |  Change |     |            |     |         |     |   |
| 3Q24                        |     |  3Q25 |     |  3Q24 |     |    2Q25 |     |  3Q25 |     | 3Q25/    2Q25 |     |         |     | 3Q25/ 3Q24 |     |         |     |   |
| Parameters Update           |     |  -647 |     |  -301 |     |    -210 |     |    68 |     |          -266 |     | -491.18 |     | %          |     |  -53.48 |     | % |
| SME Provision Expense       |     |   900 |     |   520 |     |     242 |     |   202 |     |           109 |     |  -46.04 |     | %          |     |  -42.22 |     | % |
| Specific Provision Expense  |     |   364 |     |   -30 |     |     364 |     |   -38 |     |