Company: CIB
Filing Date: 2025-11-14
Form Type: 6-K
Source: 0002058897-25-000052
Chunk: 17

Company: Grupo Cibest S.A.
Filing Date: 2025-11-14
Form: 6-K
Chunk 17
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 ratio (consolidated) stood at 4.71% as of September 2025, showing a decrease compared to 4.94% in June 2025. The level of past-duee loans is mainly impacted by the improvement in the quality of the retail loan portfolio, particularly in consumer and mortgage products. The management of all portfolios continues across the different stages of the credit cycle to anticipate the materialization of risks, reflecting positive outcomes from the portfolio containment and recovery strategies designed and implemented.

The credit cost for Grupo Cibest Consolidated in the third quarter of 2025 was 1.2%, lower than the indicator recorded in June 2025, which was 1.6%. The decrease in this result is explained by the solid performance of all business during the period.

#### COUNTRY RISK
This risk refers to the possibility of Grupo Cibest Consolidated incurring losses as a result of financial operations abroad through Bancolombia, Banca de Inversión Bancolombia S.A.,Valores Bancolombia S.A. and Fiduciaria Bancolombia S.A, due to adverse economic and/or political conditions in the country receiving those operations, either because of restrictions on the transfer of foreign exchange or because of factors not attributable to the commercial and financial condition of the country receiving those operations. This definition includes, but is not limited to, sovereign risk (SR) and transfer risk (TR) associated with such factors.

#### Consolidated
The guidelines, policies and methodologies for country risk management are maintained in accordance with what was revealed as of June 30, 2025.

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At of the end of September 2025, compared to June 2025, no alerts were reported for any of the investments subject to country risk. Likewise, there were no downgrades in the country risk ratings of the countries where the Group holds such investments. Within Grupo Cibest Consolidated, the portfolio of investments subject to country risk assessment has undergone a reallocation of investment companies. Additionally, the value of the investments that remain in the portfolio has declined due to revaluation factors.

#### OPERATIONAL RISK
Operational risk is the probability that Grupo Cibest will suffer losses as a result of failures or inadequacies in systems, processes, people, infrastructure, or due to external causes or events. Operational risk can also arise from flaws in the management models or information used. The operational risk management system has not changed since the previous quarter regarding regulations,