Company: CIB
Filing Date: 2025-08-06
Form Type: 6-K
Source: 0002058897-25-000029
Chunk: 20

Company: Grupo Cibest S.A.
Filing Date: 2025-08-06
Form: 6-K
Chunk 20
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 by the financial sector, textile exports, and tourism. Inflation has stayed low due to lower oil prices and normalized supply chains. Public investment in infrastructure and increased government spending are expected to support growth, even as remittance inflows may decline due to stricter U.S. migration policies. The Arévalo administration plans to expand public spending without compromising fiscal stability. Furthermore, two policy rate cuts by the Bank of Guatemala are anticipated in 2025, reaching 4.00%.

Bam's loan portfolio closed 2Q25 with 1.4% quarterly growth (measured in USD), mainly driven by the commercial portfolio in the corporate segment. Consumer lending also saw an increase, primarily in credit cards. On the funding side, a favorable dynamic was seen in savings and checking accounts, especially within the corporate segment, while time deposit balances decreased.

Bam posted a net profit of COP 32.6 billion for 2Q25. Net interest income showed a slight increase versus the previous quarter, mainly from higher interest generation in the commercial loan portfolio. This was partially offset by higher interest expenses, largely due to growth in savings accounts. Provision expenses rose, primarily explained by the expansion of the consumer portfolio, particularly unsecured loans. Operating expenses declined, mostly attributed to lower personnel expenses, partially offset by higher general expenses. Bam’s net interest margin for 1Q25 was 4.59%, quarterly annualized ROE stood at 6.0%, and credit cost was 2.45% .

| 18 |

| 2Q25 |

| STATEMENT OF FINANCIAL POSITION AND INCOME STATEMENT, CONSOLIDATED  (1) |     | Quarter |            |     |      |            |     |      |            |     | Change      |       |          |   |     |             |     |         |   |
| (COP million)                                                           |     | 2Q24    |            |     | 1Q25 |            |     | 2Q25 |            |     | 2Q25 / 1Q25 |       |          |   |     | 2Q25 / 2Q24 |     |         |   |
| ASSETS                                                                  |     |         |            |     |      |            |     |      |            |     |             |       |          |   |     |             |     |         |   |
| Gross loans                                                             |     |         | 18,917,726 |     |      |