Company: CIB
Filing Date: 2025-08-15
Form Type: 6-K
Source: 0002058897-25-000035
Chunk: 8

Company: Grupo Cibest S.A.
Filing Date: 2025-08-15
Form: 6-K
Chunk 8
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 |     |  10.68 |     | % |     |   0.29 |     | % |     |        |     |   |
| Total liabilities and equity                                          |     | 352,199,072 |     | 364,125,311 |     | 375,250,726 |     |   3.06 |     | % |     |   6.55 |     | % |     | 100.00 |     | % |     |        |     |   |

| 14 |

#### Separate Grupo Cibest
At the end of the second quarter of 2025, Grupo Cibest S.A.’s total assets reached COP 45.4 trillion, mainly explained by the recognition of investments in subsidiaries resulting from the corporate evolution process. Liabilities totaled COP 3.58 trillion, primarily due to the recognition of financial obligations and deferred tax liabilities, also associated with this evolution. Shareholders’ equity stood at COP 41.86 trillion, with the increase mainly driven by the incorporation of retained earnings and current year profits, along with higher accumulated other comprehensive income, reflecting the equity effects of the reorganization.

| 15 |

#### II.
QUANTITATIVE AND QUALITATIVE ANALYSIS OF THE MARKET RISK TO WHICH THE ISSUER IS EXPOSED AS A RESULT OF ITS INVESTMENTS AND ACTIVITIES SENSITIVE TO MARKET VARIATIONS

Market risk refers to the risk of losses due to changes in equity prices, interest rates, foreign-exchange rates and other indicators whose values are set in a public market. It also refers to the probability of unexpected changes in net interest income and economic value of equity as a result of a change in market interest rates.

#### Consolidated
The analysis presented below for Grupo Cibest Consolidated is based on a comparison with the information reported by Grupo Bancolombia as of December 31, 2024.

The guidelines, policies and methodologies for market risk management are maintained in accordance with what was revealed for Grupo Bancolombia as of December 31, 2024.

Total market risk exposure of Grupo Cibest Consolidated decreased by 25.4%, from COP 1,697,566 millions in December 2024 to COP 1,266,436 millions in June 2025. This variation is primarily explained by a lower exposure to the foreign exchange risk factor, due to a reduction in positions denominated in U.S. dollars. Conversely