Company: CIB
Filing Date: 2025-08-06
Form Type: 6-K
Source: 0002058897-25-000029
Chunk: 13

Company: Grupo Cibest S.A.
Filing Date: 2025-08-06
Form: 6-K
Chunk 13
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 |         0.9 |     | % |     |      -0.04 |     | % |
| Stage 2         |     |       |  16,560,544 |     |            |  2,740,331 |     | 16.5 |     | % |     |       |  16,578,878 |     |            |  2,683,361 |     | 16.2 |     | % |     |         0.1 |     | % |     |       -2.1 |     | % |
| Stage 3         |     |       |  16,510,806 |     |            | 10,703,649 |     | 64.8 |     | % |     |       |  15,486,487 |     |            |  9,999,745 |     | 64.6 |     | % |     |        -6.2 |     | % |     |       -6.6 |     | % |
| Total           |     |       | 278,523,005 |     |            | 15,532,803 |     |  5.6 |     | % |     |       | 279,771,687 |     |            | 14,771,088 |     |  5.3 |     | % |     |         0.4 |     | % |     |       -4.9 |     | % |

Stage 1. Financial instruments that do not deteriorate since their initial recognition or that have low credit risk at the end of the reporting period. (12-month expected credit losses).

Stage 2. Financial instruments that have significantly increased their risk since their initial recognition. (Lifetime expected credit losses).

Stage 3. Financial instruments that have Objective Evidence of Impairment in the reported period. (Lifetime expected credit losses).

#### 2.6. Operating Expenses
During 2Q25, operating expenses totaled COP 3,691 billion, reflecting a 5.7% increase compared to 1Q25 and an 11.8% growth versus 2Q24.

The efficiency ratio was 50.7% in 2Q25 and 50.2% over the last twelve months. Personnel expenses (salaries, employee benefits, and bonuses) amounted to COP 1,575 billion in 2Q25, representing a 2.