Company: CIB
Filing Date: 2025-08-06
Form Type: 6-K
Source: 0002058897-25-000029
Chunk: 9

Company: Grupo Cibest S.A.
Filing Date: 2025-08-06
Form: 6-K
Chunk 9
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 |     |      | 7.00 |     | % |     |      | 7.06 |     | % |
| Debt investments' margin                                               |     |      | 2.60 |     | % |     |      | 2.80 |     | % |     |      | 3.38 |     | % |
| Net interest margin(1)                                                 |     |      | 7.05 |     | % |     |      | 6.43 |     | % |     |      | 6.57 |     | % |
| (1) Net interest margin and valuation income on financial instruments. |     |      |      |     |   |     |      |      |     |   |     |      |      |     |   |

#### 2.2. Fees and Income from Services
Net fee and service income for 2Q25 amounted to COP 1,092 billion, representing a 7.3% increase compared to 1Q25.

On a quarterly basis, bancassurance revenues posted the strongest growth, driven by the higher origination of the consumer loan portfolio; additionally, there was a moderate increase in debit and credit card fees, and commercial establishments, due to higher transaction volumes during the period compared to 1Q25.

Fee expenses grew during the quarter, mainly explained by increased payments to franchises due to a greater transaction volume in banking services, as well as higher outflows to banking agents driven by an increased level of transactions through this channel.

| 7 |

| 2Q25 |

#### 2.3. Other Operating Income
Total other operating income amounted to COP 831 billion in 2Q25, representing a 0.7% decrease compared to the first quarter of the year and a 12.1% increase compared to 2Q24. This decrease is mainly due to the net effect of foreign exchange derivatives and foreign exchange, resulting from the variation in the exchange rate during the period, an effect partially offset by a revaluation of investment properties in FCP Fondo Inmobiliario Colombia, driven by UVR indexation and new property appraisals. It is worth noting the increase in income from hedging derivatives offered to clients, associated with greater market uncertainty.

On the other hand, operating lease income totaled COP 434 billion in the second quarter, representing a 3.3% decrease compared to the previous quarter. This decline was mainly due to a reduction in vehicle leasing in