Company: CIB
Filing Date: 2025-11-06
Form Type: 6-K
Source: 0002058897-25-000048
Chunk: 12

Company: Grupo Cibest S.A.
Filing Date: 2025-11-06
Form: 6-K
Chunk 12
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.74 |     | % |     |        0.02 |     | % |     |     -11.62 |     | % |
| Stage 2         |     |  16,578,878 |     |  2,683,361 |     | 16.19 |     | % |     |  17,335,637 |     |  2,921,204 |     | 16.85 |     | % |     |        4.56 |     | % |     |       8.86 |     | % |
| Stage 3         |     |  15,486,487 |     |  9,999,745 |     | 64.57 |     | % |     |  14,868,936 |     |  9,603,668 |     | 64.59 |     | % |     |       -3.99 |     | % |     |      -3.96 |     | % |
| Total           |     | 279,771,687 |     | 14,771,088 |     |  5.28 |     | % |     | 279,972,623 |     | 14,370,189 |     |  5.13 |     | % |     |        0.07 |     | % |     |      -2.71 |     | % |

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 3Q25, operating expenses totaled COP 3,601 billion, showing a decrease of 2.4% compared to 2Q25 and an increase of 7.6% versus 3Q24.

The efficiency ratio stood at 48.5% in 3Q25 and 50.4% for the last twelve months. Personnel expenses (salaries, employee benefits, and bonuses) amounted to COP 1,549 billion in the quarter, representing a decrease of 1.6% compared to 2Q25. This variation is