Company: CIB
Filing Date: 2025-11-06
Form Type: 6-K
Source: 0002058897-25-000048
Chunk: 5

Company: Grupo Cibest S.A.
Filing Date: 2025-11-06
Form: 6-K
Chunk 5
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Meanwhile, the commercial loan portfolio posted a decrease of 0.9% for the quarter and an annual growth of 2.8%. The quarterly decline is mainly explained by the corporate segment, especially in Bancolombia S.A. and Banistmo, where significant prepayments were made.

Provisions for the loan portfolio in the statement of financial position decreased by 2.7% during the quarter, closing at COP 14,370 billion, equivalent to 5.1% of the gross loan portfolio at period-end.

For further details on coverage and loan portfolio quality, please refer to section 2.4. Asset quality and provision charges.

The following table shows the composition of Grupo Cibest’s loan portfolio by type and currency:

| 4 |

| 3Q25 |

| (COP Million)         |     | Amounts in COP |     |             |     |   |     |   Amounts in USD 
 converted to COP |     |             |     |   |     | Amounts in USD 
    (thousands) |     |             |     |   |     |       Total |     |             |     |   |
| (1 USD = 3923.55 COP) |     |           3Q25 |     | 3Q25 / 2Q25 |     |   |     |             3Q25 |     | 3Q25 / 2Q25 |     |   |     |           3Q25 |     | 3Q25 / 2Q25 |     |   |     |        3Q25 |     | 3Q25 / 2Q25 |     |   |
| Commercial loans      |     |    126,566,343 |     |       -0.56 |     | % |     |       52,390,475 |     |       -1.84 |     | % |     |     13,352,825 |     |        1.81 |     | % |     | 178,956,818 |     |       -0.94 |     | % |
| Consumer loans        |     |     38,521,347 |     |        4.41 |     | % |     |       17,694,097 |     |       -2.85 |     | % |     |      4,509,716 |     |        0.77 |     | % |